Hotel refinancing

Refinance your hotel — before the maturity clock runs out

See exactly how much new debt your NOI supports, what a refinance would cost, and whether you'll face a shortfall at payoff — then we help you close it.

Free · confidential · the diagnostic runs in your browser — nothing is uploaded.

Sound familiar?

If any of these is you, you're in the right place.

A balloon is coming due

Your loan matures in the next 6–24 months and you don't yet know if you can pay it off or refinance the full balance.

Rates moved against you

A new loan looks more expensive than your in-place rate, and you're not sure your coverage still works.

Will the proceeds cover the payoff?

You suspect a refinance might come up short — but you don't know by how much, or what would close the gap.

Lenders want numbers you don't have

DSCR, debt yield, supportable loan — you need these in plain English and in a package a lender will take seriously.

How we help you refinance

1

Pinpoint your refinance gap

We model supportable debt against DSCR, debt-yield, and LTV tests, fold in capex and closing costs, and show the real shortfall — if any.

2

Show what closes it

Required NOI, a paydown, a different lender, or time. We translate the gap into moves you can actually make on the property.

3

Arrange the financing

When you're ready, we help prepare the lender package and source refinancing that fits the asset and your goals.

Start with a free refinance-readiness diagnostic

Confidential, runs in your browser, nothing is uploaded. You'll get your DSCR, supportable loan, refinance gap, and the required NOI to refinance.

Run the diagnostic

Questions, answered

How much can I refinance my hotel for?
It's the lowest of three lender tests — DSCR (coverage), debt yield (NOI ÷ loan), and loan-to-value. The diagnostic computes all three from your numbers and shows which one is binding.
What DSCR and debt yield do hotel lenders want?
Commonly a 1.25–1.40x DSCR and a ~9–10% debt-yield floor, though it varies by lender, asset, and market. You can set your own thresholds in the tool.
What if my refinance comes up short?
A gap usually means one of: improve NOI before maturity, pay down principal, inject or bring in equity, change lenders, extend, or sell. The diagnostic shows which levers move your gap most.
How early should I start before maturity?
Begin 9–12 months out. It leaves room to lift NOI, validate value, and shop quotes instead of refinancing under pressure.

Talk to our refinancing team

Tell us about your property and your timeline. We'll come back with a read on your options.

Prefer email? info@modern-hospitality-solutions.com