For CRE Owners Who Need the Truth Before the Lender Defines It

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Owners

For owners facing maturity, rate pressure, insurance increases, tax increases, lower proceeds, or uncertainty around whether the refinance will work.

  • Loan maturity in the next 6-24 months
  • Concern about cash-in refinance risk
  • Unclear NOI or DSCR support
  • Insurance or tax pressure
  • Capex or reserve concerns
  • Need to decide whether to refinance, sell, restructure, or bring in capital

CPAs and Tax Advisors

For CPAs helping owner-clients understand how tax, basis, depreciation, entity structure, and cash-flow items may affect the refinance decision.

  • Clients with upcoming refinance, sale, buyout, or restructuring decisions
  • Depreciation schedules that may not match the current asset story
  • Improvements, repairs, QIP, basis, or capitalization questions
  • Potential 3115 / catch-up depreciation issues
  • Partial asset disposition or retired component questions
  • Missing cost basis, improvement, or placed-in-service documentation
  • Need for conservative owner-facing summary before tax or lender decisions

Brokers and Advisors

For advisors who want to help owners move earlier, reduce surprises, and approach lenders with a cleaner, better-supported file.

  • Owners waiting too long to prepare
  • Weak or incomplete financial packages
  • Missing documents
  • Unclear NOI, DSCR, or cash-flow support
  • Refinance proceeds that may not match owner expectations
  • Sale versus refinance versus restructure decisions
  • Decision support before lender, buyer, or deadline pressure

Lenders

For lender conversations where a clearer borrower file can reduce uncertainty, unanswered questions, and avoidable friction.

  • Cleaner borrower file
  • Fewer avoidable questions
  • Clearer explanation of NOI, capex, and documentation issues
  • Better prepared borrower conversations
  • Identification of gaps before lender submission

Best Fit

  • The owner has a real decision to make.
  • The refinance outcome matters financially.
  • The file may have pressure points that should be identified before submission.
  • The owner wants control before the lender controls the process.
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