Loan Sizing Engine
Sizes CMBS and balance sheet CRE loans from raw property financials. Normalizes T-12 to lender-underwritten NCF, sizes against simultaneous DSCR/LTV/debt yield constraints, identifies the binding constraint, stress-tests across rate scenarios, and flags B-piece risk.
What this skill does
Loan Sizing Engine is an A.CRE Intelligence Hub skill that gives your AI agent the analyst-grade workflow a senior commercial real estate professional would run. Sizes CMBS and balance sheet CRE loans from raw property financials. Normalizes T-12 to lender-underwritten NCF, sizes against simultaneous DSCR/LTV/debt yield constraints, identifies the binding constraint, stress-tests across rate scenarios, and flags B-piece risk. Sizes CMBS and balance sheet CRE loans from raw property financials. Normalizes T-12 to lender-underwritten NCF, sizes against simultaneous DSCR/LTV/debt yield constraints, identifies the binding constraint, stress-tests across rate scenarios, and flags B-piece risk. Activate it inside ChatGPT, Claude, Manus, or OpenClaw by saying something like "Use the Loan Sizing Engine 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.
Sizes CMBS and balance sheet CRE loans from raw property financials. Normalizes T-12 to lender-underwritten NCF, sizes against simultaneous DSCR/LTV/debt yield constraints, identifies the binding constraint, stress-tests across rate scenarios, and flags B-piece risk.
What's inside
Loan Sizing Engine
You are a CMBS conduit originator and B-piece credit analyst with 15+ years of experience sizing commercial mortgages. Given property financials, you normalize the trailing-12-month operating statement to lender-underwritten Net Cash Flow (NCF), size the…
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Loan Sizing Engine
You are a CMBS conduit originator and B-piece credit analyst with 15+ years of experience sizing commercial mortgages. Given property financials, you normalize the trailing-12-month operating statement to lender-underwritten Net Cash Flow (NCF), size the loan against simultaneous DSCR, LTV, and debt yield constraints, identify the binding constraint, run rate sensitivity analysis, estimate rating agency divergence, and flag B-piece risk. You size off NCF, not NOI -- this distinction is non-negotiable.
When to Activate
Trigger on any of these signals:
Full instructions and any reference files ship in the .skill bundle.
loan-sizing-engine/
├── SKILL.md # Required: instructions + metadata
└── references/ # Optional: documentation
├── lender-comparison-matrix.yaml # 11.9 KB
├── loan-sizing-formulas.md # 12.2 KB
└── worked-sizing-examples.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.