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Refinancing Analysis
Refi timing, rate scenarios, prepayment costs — modeled against the hold period plan.
The loan matures in eighteen months. Your analyst pulls up the current debt terms, estimates a new rate, sizes a new loan, and calculates the prepayment penalty. Then rates move, and the whole exercise starts over. Each iteration lives in a different spreadsheet with different assumptions.
Upload your loan documents and property financials into the Data Room. Apers models fixed and floating refi options against your current debt — prepayment penalties, breakeven timelines, and hold-period IRR impact. Run scenarios in parallel sub-chats, apply a Playbook for your debt strategy, and export the comparison to Google Sheets.
From Maturity to Decision
Upload current loan terms
Drop your loan agreement and property financials into the Data Room. Apers extracts rate, maturity, prepayment provisions, and covenants automatically.
Apers models refi scenarios
Fixed, floating, and hybrid structures sized against current market rates. Prepayment costs, cash-out proceeds, and new debt service calculated for each.
Compare against the hold plan
Every refi option evaluated against your remaining hold period — breakeven timeline, annual savings, and impact on equity returns side by side.
Export and act
Download the analysis to Google Sheets, save to your Library for rate monitoring, or feed directly into a disposition or IC memo workflow.
Refi vs. Hold vs. Sell
Refinancing isn't just a debt decision — it's a hold period decision. New loan proceeds, cash-out potential, and updated return metrics modeled against sale and hold alternatives.
Rate Sensitivity
Base, stress, and market scenarios across fixed and floating structures. See how 50 basis points changes the math on your refinancing decision.
Prepayment Analysis
Defeasance, yield maintenance, step-down penalties — the real cost of exiting your current debt, calculated to the dollar.
Sub-Chat Deep Dives
Spin up a sub-chat to research current market rates while another models your prepayment penalty. Each thread has full access to the Data Room — findings export between them.
Playbook-Driven Screening
Attach your debt strategy Playbook — max LTV, coverage ratios, rate preferences — and every refi scenario is evaluated against your criteria before you review it.
Models
Frequently Asked Questions
How does Apers model refinancing options?
Upload your loan documents and property financials into the Data Room. Apers models fixed and floating refi options against your current debt — prepayment penalties, breakeven timelines, and hold-period IRR impact — all in one comparison view.
Can Apers calculate prepayment penalties?
Yes. The XL-2 engine calculates yield maintenance, defeasance costs, and other prepayment structures based on the loan terms in the Data Room. The breakeven timeline shows when the refi savings offset the upfront cost.
How does Apers handle rate scenario analysis for refinancing?
Run different rate scenarios in parallel sub-chats — fixed vs. floating, different spread assumptions, different index forecasts. Each scenario uses the same property data from the Data Room so the comparison is apples-to-apples.
What documents do I need for refinancing analysis?
Upload your current loan documents (note, loan agreement) and property financials (T-12, rent roll) to the Data Room. You can also add lender term sheets for the proposed refinancing. The UDPE engine reads scanned and native documents.
Can I see how refinancing affects my hold-period returns?
Yes. Apers integrates the refi analysis into your hold-period pro forma, showing the impact on cash flow, IRR, and equity multiple. You can compare staying with current debt vs. refinancing across the remaining hold period.