EVERY LOAN IS UNIQUE

AGENCY

Just because the loans are standardized doesn’t mean the deals are.

• All prepay conventions automatically reflected in each loan, including the rate lookback.
• Agency floater amortization - yes, that means we automatically re-amortize the loan each month based on the floating reset for that period.  And yes, we tie out precisely with the Agencies.
• Escrows/Reserve tracking.
• Hedge requirements with live MtM and replacement cap costs.
• Supplemental calculators for easy tracking, plus annual reminders.
• Repair schedule tracking and notifications. 
• Real time SREO with Agency conventions.

BALANCE SHEET

 Some of your most important relationships have some pretty unique terms.

• DSCR/DY testing requirements are fully automated and customizable to each distinct requirement. 
• Every index, payment convention, and business day adjustment.
• Each type of amortization, such as mortgage style, straight line, step-up, step-down, fixed payment, interest-only periods, and fully custom schedules. Custom draws/paydowns and accounting overrides easy to handle.
• Escrows/Reserves tracking.
• Every prepay you can think of - Lockout, Flat Percentage, Aggregate Interest, Spread Maintenance, Yield Maintenance, Make Whole, Swap Breakage, and Defeasance. We'll even alert you before step-downs and calculate exact prepayment costs for any date.
• Hedges with real time rates and precise settlement calculations for easy reconciliation. 
• Recourse tracking and even keep tabs on burndown.

BRIDGE

Debt fund, mezz, pref equity - some of the most hands-on loans in your portfolio. 

• Different floating indices, different daycount conventions, different business day adjustments…no problem.
• Extension testing with notice reminders and amortization rate changes during the extension periods.
• Hedge requirements with live MtM and replacement cap costs.
• Good news money and forced funding dates and the ability to customize draws in cashflows.

CONSTRUCTION

 Tracking draws is one of life’s little treats, right?

Different floating indices, different daycount conventions, different business day adjustments…no problems.

• Easy to input draws based on the day you actually make the draw.
• Critical date alerts.
• Hedges with live rates and MtMs.
• Recourse and burndown.
• Escrow/Reserves tracking.

LIFECO

 Even low maintenance loans require some upkeep

• Data centralization for easy, real time reporting.
• DSCR/DY covenant testing with every possible lender adjustment.
• Real time prepays based on live rates -  Lockout, Flat Percentage, Aggregate Interest, Spread Maintenance, Yield Maintenance, Make Whole, and Defeasance.
• Debt valuation.
• Escrow/Reserves tracking.
• Weighted average maturity and weighted average rate.