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Sponsor resources.
Numbers into perspective.

Test a financing scenario, prepare your project file and understand the terms behind the numbers. Calculators, document templates and practical guides in one place.

Financial worksheets, a calculator and a leather project folio

Tools & field guides

Useful before
we meet.

The sponsor worksheet

Debt sizing, DSCR, debt yield, cap rate and development yield in one connected tool.

Explore 02 / Compare

A common basis for terms

The proceeds, obligations and conditions behind a financing offer.

Explore 03 / Prepare

Build the first file

A practical checklist for introducing the property and capital request.

Explore 04 / Understand

The capital glossary

A clear reference for the language of the financing conversation.

01 / The firm’s introduction

Capabilities
& Overview.

The approved thirteen-page introduction to the firm, its capital coverage, review process, service lines and people.

Explore selected pages below, or download the complete overview.

Download the overview PDF

The Deal Butler

A proper introduction, ready to hand.

Inside the overview

The process.
The work.

The preliminary review

How the firm examines the transaction before shaping the engagement.

What the engagement produces

Feasibility, comparable analysis and underwriting support, with scope and deliverables explained.

The original working files

See the document.
Then put it to work.

Actual document and worksheet excerpts, with the original blank workbooks available below. Click a preview to enlarge it; use Actual size for a closer read.

Excel workbook / Original template

Due diligence checklist

Sponsorship, transaction-lifecycle and asset-class document requests.

Download workbook

Excel workbook / Original template

Sponsor financial package

Personal financial statement, real estate owned and track record.

Download workbook

Excel workbook / Original template

Rent roll

Unit-level tenancy, rent, lease dates and occupancy summary.

Download workbook

Excel workbook / Original template

Trailing 12-month operating statement

Monthly income and expenses with calculated annual totals and NOI.

Download workbook

Excel workbook / Original template

Sources & uses

Project costs, capital contributions and a funding reconciliation.

Download workbook

Preview the capital-source guide Preview the project intake Preview the capital criteria form

Your entries stay in this browser tab and are not sent to the firm. Reloading clears them. Saving a baseline does not save a file.

01 / The property

Current annual NOIUSD$900,000Annual income after operating expenses, before debt service.

Stabilized annual NOIUSD$1,100,000The supported annual income expected at stabilization.

NOI used for sizingThis basis drives DSCR, debt yield and loan sizing.

Property valueUSD$15,000,000Value basis for LTV and the selected-NOI cap rate.

Total project costUSD$14,000,000Include applicable acquisition, construction, soft costs, carry and reserves.

02 / Proposed financing

Proposed loan amountUSD$9,500,000Single-loan analysis. Other debt service is not included.

Annual interest rate%Illustrative input, not a quoted or market rate.

Amortization periodyearsRepayment schedule, not the loan’s maturity date.

Actual payment basisDetermines modeled monthly and annual payments.

Payment basis for DSCR sizingA lender may size on amortizing payments even during an interest-only period.

03 / Your sizing assumptions

Example constraints only. Replace these with the criteria relevant to your transaction.

Maximum LTV%

Maximum LTC%

Minimum DSCRx

Minimum debt yield%

04 / Development & capital

Stabilized exit cap rate%Used with stabilized NOI for a direct-capitalization illustration.

Other equity contributionsUSD$500,000Equity contributions beyond the remaining capital shown. Do not include other debt.

Model-implied loan ceilingCalculating…

The four constraints

Proposed-loan debt service

Fixed rate, monthly payments, fully drawn principal. Fees, changing draws, balloon payments and subordinate debt are excluded.

Development & remaining capital

Yield on cost uses stabilized NOI. Implied value assumes a stabilized income stream. Value less cost is not profit or an equity return; sale costs, taxes and timing are not modeled. Remaining capital equals cost less the selected loan and other equity contributions, floored at zero.

Compare scenarios

Formulas & assumptions

DSCR = selected annual NOI ÷ annual debt service. Debt yield = selected annual NOI ÷ proposed loan. Cap rate = selected annual NOI ÷ property value.

LTV ceiling = value × maximum LTV. LTC ceiling = cost × maximum LTC. Debt-yield ceiling = nonnegative selected NOI ÷ target debt yield. DSCR ceiling = nonnegative selected NOI ÷ target DSCR ÷ annual debt-service constant.

For amortizing payments, the monthly payment per dollar is r ÷ [1 − (1 + r)⁻ⁿ], where r is the annual rate divided by 12 and n is amortization years × 12. At a zero rate, the monthly payment is principal ÷ n. Interest-only annual debt service is principal × annual rate.

Yield on cost = stabilized NOI ÷ total cost. Stabilized implied value = stabilized NOI ÷ exit cap rate. A nonpositive NOI does not support a meaningful direct-capitalization valuation here.

Educational calculations, not an appraisal, financing quote or credit decision. Lenders may use different income definitions, stress rates, reserves and additional constraints. Results do not establish available proceeds.

Definitions reference: OCC Commercial Real Estate Lending handbook, printed page 43.

Your next move

Bring the numbers.
We’ll bring the perspective.

Your model starts the discussion. The property, sponsor and execution path complete it.

Discuss the capital plan