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loan-sizing-engine

Size CMBS and balance-sheet CRE loans by applying DSCR, LTV, and debt yield constraints.

Updated Apr 1, 2026
Search Tags:#ltv#underwriting#dscr#loan-sizing#ncf#debt-yield#cmbs
One-click install
npx skills add https://github.com/chibus0368-pixel/om-analyzer --skill loan-sizing-engine-chibus0368-pixel
Or copy as Structured Prompt for Agent▼
Please help me install this Agent Skill.
Skill: loan-sizing-engine
Source: https://github.com/chibus0368-pixel/om-analyzer/tree/main/skills/loan-sizing-engine
Command: npx skills add https://github.com/chibus0368-pixel/om-analyzer --skill loan-sizing-engine-chibus0368-pixel

SYSTEM DOCUMENTATION & REQUIREMENTS

💡 This Skill includes scripts (resource) and references (resource) components.

What problem does it solve?

Sizes CRE loans by normalizing T-12 to lender NCF and applying simultaneous DSCR, LTV, and debt yield constraints to reveal the maximum feasible loan.

Core Features & Use Cases

  • NCF normalization from T-12 to lender-underwritten cash flow
  • Simultaneous constraint sizing (DSCR, LTV, DY) across multiple loan programs
  • Rate sensitivity grid and binding-constraint identification
  • Reserve schedules and agency/rating agency gap analysis
  • Use Case: sizing a CMBS conduit loan vs. bank loan for a multifamily acquisition

Quick Start

Enter the property fundamentals and loan terms to instantly compute the maximum supported loan across DSCR, LTV, and DY.

Frequently Asked Questions about loan-sizing-engine

High-intent search queries and answers about installing and using this skill.

FAQPage Schema
How do I size a CMBS loan using DSCR, LTV, and debt yield constraints?▼

Sizing a CMBS loan requires applying simultaneous DSCR, LTV, and debt yield constraints to property financials. This process normalizes T-12 operating statements to lender NCF, revealing the maximum feasible loan amount across multiple programs.

How does T-12 normalization to lender NCF work for CRE underwriting?▼

T-12 normalization to lender NCF adjusts trailing twelve-month financials by removing non-recurring items and applying lender-specific reserves. This standardized cash flow figure serves as the basis for calculating debt yield and DSCR.

Can I compare CMBS conduit and balance sheet loan sizing for a multifamily acquisition?▼

Comparing CMBS conduit and balance sheet loans involves running simultaneous constraint sizing across multiple programs. This identifies the binding constraint and outputs a rate sensitivity grid to evaluate maximum supported loan amounts.

What inputs are required to calculate the maximum supported loan for a commercial property?▼

Calculating the maximum supported loan requires NCF, property value, occupancy, and detailed T-12 financials. Optional loan terms can be added to generate reserve schedules and conduct agency or rating agency gap analysis.

Why does my debt yield constraint override the LTV limit during loan sizing?▼

Debt yield often overrides LTV when the property's NCF restricts the maximum loan amount before reaching the loan-to-value ceiling. This indicates debt yield is the binding constraint limiting leverage.

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