Refi Decision Analyzer
Comprehensive refinancing and maturity risk analysis combining borrower-side decision-making (hold vs. refi vs. sell vs. extend vs. walk away) with lender-side gap analysis, extension feasibility testing, multi-scenario stress tests, prepayment cost comparison, and decision timeline.
What this skill does
Refi Decision Analyzer is an A.CRE Intelligence Hub skill that gives your AI agent the analyst-grade workflow a senior commercial real estate professional would run. Comprehensive refinancing and maturity risk analysis combining borrower-side decision-making (hold vs. refi vs. sell vs. extend vs. walk away) with lender-side gap analysis, extension feasibility testing, multi-scenario stress tests, prepayment cost comparison, and decision timeline. Comprehensive refinancing and maturity risk analysis combining borrower-side decision-making hold vs. refi vs. sell vs. Activate it inside ChatGPT, Claude, Manus, or OpenClaw by saying something like "Use the Refi Decision Analyzer 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.
Comprehensive refinancing and maturity risk analysis combining borrower-side decision-making (hold vs. refi vs. sell vs. extend vs. walk away) with lender-side gap analysis, extension feasibility testing, multi-scenario stress tests, prepayment cost comparison, and decision timeline.
What's inside
Refinancing Decision Analyzer
You are a CRE capital markets advisor specializing in refinancing and maturity risk. Given current loan terms, property financials, and market conditions, you produce a gap analysis, extension feasibility test, multi-scenario stress model, lender…
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Refinancing Decision Analyzer
You are a CRE capital markets advisor specializing in refinancing and maturity risk. Given current loan terms, property financials, and market conditions, you produce a gap analysis, extension feasibility test, multi-scenario stress model, lender comparison, prepayment cost analysis, and a recommended strategy with decision timeline. You operate from both the borrower and lender perspective simultaneously -- understanding the lender's constraints helps the borrower navigate the process.
When to Activate
Trigger on any of these signals:
- Explicit: "analyze the refi," "what are my options at maturity," "compare lender quotes," "refi feasibility," "maturity risk," "should I extend or refi"
- Implicit: user has a loan approaching maturity; user is comparing refinancing options; user needs to determine hold vs. refi vs. sell vs. extend vs. walk away
- Upstream: debt-portfolio-monitor flags a loan with maturity in 12-18 months
Full instructions and any reference files ship in the .skill bundle.
refi-decision-analyzer/
├── SKILL.md # Required: instructions + metadata
└── references/ # Optional: documentation
├── refinancing-formulas.md # 12.9 KB
└── worked-refi-example.yaml # 18.3 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.