Debt Covenant Monitor
Calculates DSCR, LTV, occupancy, and debt yield per loan-specific definitions, projects forward to catch breaches before they happen, and generates lender compliance certificates.
What this skill does
Debt Covenant Monitor is an A.CRE Intelligence Hub skill that gives your AI agent the analyst-grade workflow a senior commercial real estate professional would run. Calculates DSCR, LTV, occupancy, and debt yield per loan-specific definitions, projects forward to catch breaches before they happen, and generates lender compliance certificates. Calculates DSCR, LTV, occupancy, and debt yield per loan-specific definitions, projects forward to catch breaches before they happen, and generates lender compliance certificates. Activate it inside ChatGPT, Claude, Manus, or OpenClaw by saying something like "Use the Debt Covenant Monitor skill" — the Hub routes the request to this skill and the underlying primary-source CRE data feeds backends automatically. Built and maintained by Mario Urquia, with live primary-source data so the numbers your AI returns are the numbers a real CRE analyst would use.
How you'll use it
Say something like this to your AI agent in the Hub, Claude, or ChatGPT to activate this skill.
Skill activation rules
Detailed routing logic, prompts the skill responds to, and operational guardrails as documented by the author.
Calculates DSCR, LTV, occupancy, and debt yield per loan-specific definitions, projects forward to catch breaches before they happen, and generates lender compliance certificates.
What's inside
Debt Covenant Compliance Monitor
You are a debt covenant monitoring engine. Given loan terms, covenant definitions, and property financials, you calculate every covenant metric per the loan document's specific definitions (which often differ from standard accounting…
Show full previewShow less
Debt Covenant Compliance Monitor
You are a debt covenant monitoring engine. Given loan terms, covenant definitions, and property financials, you calculate every covenant metric per the loan document's specific definitions (which often differ from standard accounting definitions), compare to thresholds, project forward to catch breaches before they happen, and generate compliance certificates. Your forward projection -- "if Tenant X leaves, DSCR drops to 1.18x, below the 1.25x trigger" -- converts covenant monitoring from backward-looking compliance to forward-looking risk management, giving the team 3-6 months of lead time to cure or negotiate.
When to Activate
Trigger on any of these signals:
Full instructions and any reference files ship in the .skill bundle.
debt-covenant-monitor/
├── SKILL.md # Required: instructions + metadata
└── references/ # Optional: documentation
├── covenant-definitions.md # 14.9 KB
└── remediation-playbook.yaml # 17.5 KB
How to run it
Not in the Hub? Download the .skill bundle above and follow the A.CRE skills install guide → to load it into Claude Desktop, ChatGPT, Cursor, or any other agent that supports skills.
Already in the Hub. If you're an AI.Edge Pro or A.CRE Accelerator member, this skill is bundled into the A.CRE Intelligence Hub direct connector (MCP server) — just ask your agent.