See covenant pressure before the lender does.
Every loan and every appraisal in the book, watched: LTV against threshold, DSCR against target, maturities coming due and values moving against book. It’s the early warning, not the spreadsheet — when a flag goes up, your refinancing work starts sooner, with the evidence already in hand.
| Asset | Balance | Matures | In |
|---|---|---|---|
| 925 Bay Street | $48.0M | 2027-01-31 | 3 mo |
| Crown Plaza | $61.5M | 2027-09-30 | 11 mo |
| Northpoint Industrial | $24.0M | 2027-11-30 | 13 mo |
| Maple Centre | $36.2M | 2028-03-31 | 17 mo |
Five red flags, each with its evidence.
Debt & Valuation Monitoring is the early warning, not the spreadsheet. It tells you which loan needs attention, why and how soon — with the figures behind every flag — so your refinancing and valuation work starts on time.
LTV near threshold
Loan-to-value against the threshold set for the asset type on the Scorecard’s Scoring Model. At 925 Bay Street: 68% against a 70% limit — 200 bps of headroom.
DSCR below target
Debt service coverage against its target, every period. 925 Bay Street sits at 1.18x against a 1.25x target — with the covenant at 1.15x.
Maturity wall
Loans coming due, flagged on the asset and listed nearest-first in the debt-maturity widget on Home — months out, not weeks.
Refi shock
Today’s refinancing rate from Market Comps against the rate in place — 6.40% against 3.60% on 925 Bay Street’s first mortgage.
Valuation declining
Appraisals sliding from one cycle to the next. Crown Plaza’s August appraisal came in 4.2% below the last one.
Then, the next step
Flags link to the Playbook. With a maturity on the horizon it suggests “Start the refinancing search”, with its steps — on the Scorecard and on the review agenda.
Every loan, every maturity, one screen.
The Debt view sets LTV against its threshold and DSCR against its target, beside the asset’s mortgage list. Across the book, maturities stack up by year, so a crowded year is visible long before it arrives. When a flag goes up, the Playbook suggests what to do about it.
- LTV against threshold and DSCR against target, every period.
- The mortgage list: each loan’s balance, rate and maturity.
- Start the refinancing search — suggested by the Playbook when a maturity is near.
| Mortgage | Balance | Rate | Maturity |
|---|---|---|---|
| First mortgage | $44.2M | 3.60% | 2027-01-31 |
| Second mortgage | $3.8M | 6.15% | 2027-01-31 |
Appraisals against book, cycle after cycle.
Valuation plots every appraisal against book value, so a slide reads as a line rather than a footnote. At 925 Bay Street three cycles in a row have come in lower, and the June appraisal sits 7.5% under book — Valuation declining is on the Scorecard before the lender raises it.
- Appraisal history against book value, on one chart.
- Valuation declining raised with the appraisals behind it.
- The early warning, not the spreadsheet — your valuation and refinancing models stay where they are.
| Appraisal | Value | vs prior | vs book |
|---|---|---|---|
| 2026-06-30 | $70.6M | −5.7% | −7.5% |
| 2025-06-30 | $74.9M | −4.2% | −1.8% |
| 2024-06-30 | $78.2M | −4.0% | +2.5% |
Ask which loan needs attention first.
Insights AI reads debt, appraisals and the Scorecard’s flags together, puts what’s coming due in order, and cites every figure it quotes. It points you to the refinancing that needs starting — and the model itself stays in your hands.
- Maturities in order — balance, date and the coverage behind each, cited.
- Appraisal history — every cycle against the last, and against book.
- Next step suggested — the Playbook’s interventions, ready to propose for the next review.
get_debtget_appraisal_historyget_appraisalsassess_asset_healthget_intervention_playbookpropose_review_itemWhere the warning goes next.
See the warning before the maturity.
A 30-minute walkthrough: LTV and DSCR against target, the maturity wall, appraisal history against book, and the Playbook step that follows.