underwriting and offer workspaces · Intermediate

Maturity gap sensitivity grid

Calculate payoff funding gaps across NOI value and rate changes. Includes interactive joint-shock grid with binding loan constraints.

Commercial Debt Advisory EditorialModel 1.0.0Reviewed by Jason Taken · 2026-10-21T19:41:22.818Z

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

Build 27 scenarios: baseline, one and two entered NOI declines crossed with baseline, one and two value declines and baseline, one and two rate increases. Size each scenario and deduct fees, costs and maturity balance.

Worked example

With the default $300,000 cash flow, $4.5 million value, 6.5% rate and 30-year amortization, the entered 70% LTV limit binds at $3,150,000. A 1% fee, $50,000 closing costs and $3 million payoff leave $68,500 surplus. Combining 20% lower cash flow, 20% lower value and an 8.5% rate reduces modeled capacity to $2,080,858.29 and creates a $989,950.29 equity need under the same 1.25x DSCR and 8.5% debt-yield tests.

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.
NOI and value shocks are independent entered scenarios, not forecasts or an appraisal model. Their relationship must be assessed for the actual property.

Calculation standards →