ANALYZE THE PROPOSAL EFFORTLESSLY

Make the necessary entries germane to the specific project type you are analyzing (each is categorized for exact input needed). Then at the flick of your (C)alculating finger you have the completed analysis you will need to qualify the request.

1.  SENSITIVITY REPORTS, THAT INCLUDE:

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Maximum loan supported by your desired DSC (3 ranges)

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Interest rate (12 ranges)*

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Income per S.F./Unit (12 ranges)*

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Occupancy level (12 ranges)*

* reports the Gross Income, Loss of Income, Total Expenses, NOI, Debt Service, Cash Flow and DSC for each range

2.     UNDERWRITING REPORT:  Furnishes you with virtually every ratio you could ever need for your client, examiners, or loan  committee personnel. Each project type is separately categorized for specific input, based on refinances or purchases. and if appropriate, those with or without anchor tenants. These types include: 

  Offices
  Multi-Family
  Office/Showroom-Dist.
  R.V. Parks
  Mini Warehouses		   Mobile Home Parks (rental and retail)
  Hotel/Motels
  Warehouse/Light Mfg.
  Retail Strip Centers
  Regional Malls
Construction loans include both residential and office condominium projects.

Development loan projects include
  Residential land development
  Mobile home park (retail)		   Mobile home park (rental)
  R.V. Park (retail)

3.    INCOME/EXPENSES: Analyze up to three periods. Also:

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Inflate income or expenses separately for all forward years

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Transfer as many years as needed to the Discounted Cash Flow Report

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Have all information you have developed in this report go to the loan's underwriting screen saving you additional input

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Each report prints on just one page and contains over 95 separate line item calculations

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Develop another one page report that lets you view each period side by side

4.    ALLOCATION (SOURCE AND USE) OF FUNDS:  Shows the flow of debt and equity and total loan required. On all construction loans print an amortization schedule to indicate the flow of loan funds disbursed and the anticipated balance at any time during construction. On any projects that liquidate the collateral to repay the debt (condos-land development, etc.) the amortization will also let you view the anticipated absorption funds to the loan and borrower along with loan funds disbursed to show the exact balance at anytime during the loan and to insure the loan's balance is zero at the note's expiration.

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