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.
Run the numbers right here — no full diagnostic needed.
Does the property cover its loan?
Leverage, independent of rate.
Operating profit before debt.
Annual debt cost per $1 borrowed.
Three tests — your loan is the smallest result of the three.
A hotel refinance isn't one number — it's the lowest of three. The debt-service coverage ratio (DSCR) checks whether your NOI comfortably covers the new payment, usually at 1.25x or higher. The debt-yield test (NOI divided by the loan) sets a rate-proof floor, often around 9–10%. And loan-to-value caps the loan as a share of appraised value, typically 60–70% for hotels. Whichever test produces the smallest loan is the one that binds — so a great rate won't help if debt yield or value is the constraint.
If your NOI has slipped or rates have risen since you last financed, the loan those three tests support can land below what you still owe. That difference is your refinance gap — and at maturity you also have to cover closing costs, any prepayment penalty, and required reserves. Closing it usually means some mix of improving NOI before maturity, paying down principal, injecting or raising equity, finding a different lender, or negotiating an extension.
The best refinances start 9–12 months before maturity. That leaves room to push NOI, validate value with an appraisal or broker opinion, and shop multiple quotes instead of taking the first option under deadline pressure. Run the diagnostic first so you walk into lender conversations already knowing your DSCR, supportable loan, and the size of any gap.
Our tools are safe and confidential by design — no hotel financial data is stored, ever. You'll get your DSCR, supportable loan, refinance gap, and the required NOI to refinance.
If any of these sounds familiar, the tools above are built for it.
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.
A new loan looks more expensive than your in-place rate, and you're not sure your coverage still works.
You suspect a refinance might come up short — but you don't know by how much, or what would close the gap.
DSCR, debt yield, supportable loan — you need these in plain English and in a package a lender will take seriously.
We model supportable debt against DSCR, debt-yield, and LTV tests, fold in capex and closing costs, and show the real shortfall — if any.
Required NOI, a paydown, a different lender, or time. We translate the gap into moves you can actually make on the property.
When you're ready, we help prepare the lender package and source refinancing that fits the asset and your goals.
Tell us about your property and your timeline. We'll come back with a read on your options.
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