You just got a stabilized NOI and a property value from the broker. You know the next step: figure out how much debt the deal can support. LTV, DSCR, debt yield. Three constraints, one binding answer. You have done this calculation hundreds of times.
The problem is not the math. The problem is that sizing the loan properly means pulling current benchmark rates, choosing the right spread, running the PMT formula across three constraints, and formatting the result into something you can hand to your principal or drop into an IC memo. That is 15 minutes of work that adds no analytical value. It is pure execution, and it competes with everything else on your plate.
That’s exactly what this task is built to fix.
What This Task Does
You give the task two numbers: your stabilized NOI and property value. If you know the capital source (Life Co, CMBS, Agency, Debt Fund, FHA), you add that. If you have specific loan terms in mind (rate, amortization, IO period), you include those too. Otherwise, the task assumes institutional defaults and tells you what it assumed.
From there, your Market Research Associate AI Coworker pulls current benchmark rates (Treasuries, SOFR Swaps, SOFR Daily, Prime, corporate yields, and spreads), anchors the interest rate assumption to real market data, and sizes the loan under LTV, DSCR, and debt yield constraints. It identifies the binding constraint, calculates monthly debt service, and delivers the result as a short, professional analyst memo you can hand directly to a principal or investment committee member.
The whole process takes roughly 5 minutes of your time. The AI does the rest.
Who This Task Is For
Anyone who needs to know how much permanent debt a stabilized property can support, and needs the answer fast, with real numbers, not a back-of-the-envelope guess.
This task is built for:
- Acquisitions analysts who need to size the debt stack on a new deal before the first underwriting pass
- Underwriters who want a quick sanity check on a lender quote or a refinancing scenario
- Asset managers who are evaluating refinance timing against current rates and constraints
- Brokers and capital markets professionals who need to present a realistic debt assumption to buyers or lenders on short notice
In short: if you already have a stabilized NOI and property value, this task gives you a sized loan with the binding constraint identified in minutes.
Why It Matters
Loan sizing is one of the most fundamental calculations in commercial real estate. Every acquisition, every refinance, every capital markets pitch starts with the same question: how much debt can this property support?
You already know how to answer it. You have run this analysis on dozens of deals. LTV times value. NOI divided by minimum DSCR, solve for the loan amount whose amortizing payment hits that ceiling. NOI divided by debt yield floor. Take the minimum. Done.
The issue is not knowledge. It is bandwidth. Pulling current benchmark rates, choosing the right spread for the capital source, running the PMT formula correctly, and formatting the output into a clean memo takes 15 minutes. That is 15 minutes you could spend on the inputs that actually drive returns: rent assumptions, cap rate selection, renovation budgets, exit timing.
When deals pile up, the sizing either gets rushed (and the rate assumption is stale, or the debt yield constraint gets skipped) or it gets delayed (and the deal sits while you finish something else). Either way, you are slower to the first answer than you need to be.
This task compresses that 15-minute process into 5 minutes, anchored to live benchmark rates, with all three constraints calculated using exact mortgage math. That’s the multiplier.
What the Output Looks Like
The analyst memo generated by this task includes:
- A Loan Sizing Assumptions section listing every input and assumption, with the interest rate anchored to a specific benchmark and spread
- A Loan Sizing Analysis showing all three constraints (LTV, DSCR, debt yield) with plain-text math and the binding constraint clearly labeled
- A Loan Summary with the max loan amount, LTV, DSCR, debt yield, and monthly debt service at the sized loan
- Interest-only edge case handling: if the loan includes an IO period, the DSCR is sized on the IO payment with the amortizing DSCR called out prominently
- An optional downloadable interactive Loan Sizing Tool (HTML file) pre-populated with your deal inputs and live benchmark rates, so you can flex any assumption and re-size instantly in your browser
The output is not a rough estimate with a stale rate plugged in. It is a clean, IC-ready memo with exact amortizing payment math, current benchmark anchoring, and the binding constraint identified, the kind of sizing you would expect from a sharp analyst who checked the rates this morning.
CRE Agents is a platform built for commercial real estate professionals who want to move faster without cutting corners. Task #[TASK_NUMBER] is just the beginning.
Frequently Asked Questions About Sizing Permanent Mortgage Loans With AI
The output is a structured first pass, not a final underwriting opinion. Every assumption is stated explicitly: the benchmark rate, the spread, the LTV cap, the DSCR floor, the debt yield minimum. You can verify each one against your own market knowledge in under a minute. If a rate has moved since the benchmarks were pulled, or if your lender uses a different spread, update the assumption and the task will re-size. Treat it the way you would treat work from a sharp junior analyst: the math is right, and your job is to confirm the inputs.
The memo is formatted as a professional analyst deliverable, not a chatbot response. It uses standard CRE conventions: dollar amounts in abbreviated millions, plain-text math, no rendered formulas, and the interest rate explicitly tied to a named benchmark plus spread. The output reads like something an acquisitions associate would produce after checking the rate sheet. Lenders and IC members see the numbers and the logic, not the tool that produced them.
At 5 minutes per sizing, you can run this on every deal in your pipeline in a single sitting. Each run pulls fresh benchmark rates, so the interest rate assumption stays current across every sizing. If you are screening ten deals and need to know which ones pencil at today’s rates, this task gives you a consistent, apples-to-apples answer for each one. The optional interactive tool lets you flex assumptions after the fact without re-running the task, so you can test sensitivity on the fly.