The commercial real estate debt library
Better debt
decisions.
Stronger real estate.
Understand how lenders see your property. Test your assumptions, compare the options, and approach your next financing with clarity.
Published by Jaken Finance Group · Built for investors
An illustrative sizing decision
Which constraint sets your loan?
Illustration: $300k annual cash flow, $5m value, 1.25× DSCR, 6.5% rate / 30-year amortization, 70% LTV, 8.5% debt yield. Not a financing quote.
Build your understanding
Follow the financing decision.
Start with your question. Work through the evidence, the tradeoffs, and the details that matter to a lender.
Capital sources and programs
Understand how lending channels and financing programs evaluate a request, commit capital, and constrain the borrower.
Property financing investigations
Connect asset-specific operating evidence and collateral risks to supportable financing.
Underwriting and credit
Reconcile financial evidence, lender conventions, sizing constraints, sponsor support, and downside scenarios.
Debt placement and closing
Prepare evidence, manage lender decisions, and coordinate the dependencies of a financing transaction.
Loan terms and ongoing obligations
Understand pricing, guarantees, collateral, cash controls, servicing, and maturity obligations.
Financing decisions
Compare alternatives with common assumptions, explicit tradeoffs, and traceable cash flows.
Make the numbers useful
Less guesswork.
More understanding.
Work through a financing scenario with editable assumptions, visible methods, and results you can take with you.
Find the binding constraint.
Compare DSCR, debt yield, value, and cost limits to understand what actually sets loan capacity.
Follow the usable proceeds.
Separate a lender’s commitment from closing advances, fees, reserves, and spendable cash.
Stress the refinance.
See how changes in income, valuation, and borrowing costs affect the equity your exit may require.
Go deeper
Questions worth working through.
Agency cash-flow definitions and loan sizing
Understand why property NOI, agency underwritten cash flow and interest-only cash coverage can produce different multifamily loan amounts.
Bridge-to-permanent underwriting: closing and exit
Build separate closing and takeout models, then reconcile permanent loan proceeds to the bridge payoff and remaining cash obligations.
Industrial lease expiration and debt maturity
Put tenant expiration, downtime, free rent and debt maturity on one calendar to identify rollover funding and refinance risk.
A clear standard for useful research
Show the reasoning.
Keep the context.
Real financing questions rarely have one universal answer. Our approach connects source material with the property, the borrower, and the decision in front of you.
Read our editorial standards →- 01 Source the claims that change a decision.
- 02 Separate rules, lender practices, and assumptions.
- 03 Make worked examples reproducible.
- 04 Connect each resource to a useful next step.
- 05 Be clear about ownership, review, and limitations.