capital construction and servicing workspaces · Advanced
Extension-condition scenario checker
Test user-specified financial conditions for an extension. Includes transparent condition results with explicit contractual assumptions.
Your assumptions
Illustrative starting values. Replace them with your own evidence. Inputs stay in this browser.
Your scenario, explained
Results
Calculation assumptions
Version 1.0.0 · Educational scenario, subject to the stated assumptions.
How this calculation works
Method and assumptions
Apply the entered paydown, compare resulting coverage/leverage/debt yield with entered conditions, and reconcile fee, paydown and reserve funding against available cash.
Worked example
A $100,000 paydown reduces the default $3 million loan to $2.9 million. Against $4 million value, that is 72.5% LTV, above the entered 70% limit. The $100,000 paydown, 0.5% fee on the old balance ($15,000) and $50,000 reserve top-up require $165,000 cash, leaving a $65,000 shortfall against $100,000 available. Together with unconfirmed other conditions, three modeled conditions are not met or not assessed.
Before using the result
Know the boundaries
- Educational scenario, not a quote, commitment, approval, appraisal or payoff statement.
- Defaults and thresholds are editable illustrations; the executed documents and lender underwriting control.
Method references
- FDIC: Interagency CRE loan accommodations and workouts
- Fannie Mae Multifamily Selling and Servicing Guide