- Collect the inputs: rent roll, trailing-12 operating statement, tax and insurance figures, and proposed loan terms.
- Use an AI assistant to extract rents, vacancy and expenses into a fixed template. Ask it to list every assumption and flag missing items.
- Calculate NOI and DSCR (NOI ÷ annual debt service) in a spreadsheet you control, not inside the chat. Use Copilot in Excel to check formulas.
- Run sensitivities: rate +100 bps, vacancy +5 points, expenses +10%. Note which deals fall below the lender's minimum DSCR.
- Tie every figure back to source documents before anything goes into a credit memo or loan request.
Want a lender's view on a specific deal? Talk to Globus.
Educational framework only; not lending or investment advice.