The current property picture
Reported values are starting points. A verified value includes ANM's document reference and an as-of date. Calculations are only as reliable as their inputs.
ANM’s working assessment
Interactive assumptions
Test cash flow sensitivity
Adjust the two inputs below to see the arithmetic. This is a temporary scenario; it does not change the case record or establish financeability.
0%
Scenario DSCR—
Annual cash after debt service—
DSCR = annual NOI ÷ annual debt service. Cash shown excludes capital work, reserves, taxes outside NOI, and ownership distributions.
Next decision gates
Compare the tradeoffs
Potential paths for the property
Paths are prepared by ANM as the facts develop. Blank fields identify work still needed. A potential path is subject to verified facts, terms, approvals, and ownership decisions.
From analysis to execution
Deadlines, decisions, and next steps
Each action has an owner and a status. Dates entered here are planning dates; confirm contractual deadlines against the source documents.
Document checklist
Files attached to this case
A file being uploaded does not automatically mark a request reviewed. ANM checks the material and updates the checklist.
Interactive planning model · Every result follows the assumptions you enter.
Liquidity and timing
See the next 13 weeks of cash
Map the timing of cash pressure before making a capital decision. Enter cash receipts and outflows, then test a one-time expense or contribution.
This model smooths monthly debt service to weekly debt service using ×12÷52. It is a cash planning estimate; actual payment dates, taxes, reserves, balloon payoffs, and other costs must be included in your own inputs. A cash contribution is an assumption, not committed funding.
What the assumptions show
Saved scenarios for discussion
Saved scenarios preserve the inputs, outputs, author, and date. Load one to explore a different assumption. Changes are saved as a new scenario.
Interactive planning model · Every result follows the assumptions you enter.
Capital structure and takeout
Find the gap between debt and cash flow
Compare an assumed LTV ceiling with cash-flow support under a target DSCR. See what remains after payoff, entered costs, capital needs, and owner cash.
Replace the copied loan balance with a current payoff including accrued interest, fees, and arrears. Property value = NOI ÷ assumed cap rate. Debt capacity is the lower of the entered LTV and DSCR constraints. Optional costs, reserves, and owner cash left blank are treated as $0; this can understate the gap. These are user assumptions, not market quotes, an appraisal, or lending criteria.
What the assumptions show
Saved scenarios for discussion
Saved scenarios preserve the inputs, outputs, author, and date. Load one to explore a different assumption. Changes are saved as a new scenario.
Keep the conversation with the case
Questions, context, and next decisions
Both ANM and the owner can read messages here. This is an asynchronous case thread; use the ANM contact information for urgent matters. Do not include Social Security numbers or full bank account numbers.
Recent case activity
A shared history of case updates, documents, scenarios, and actions.
Income durability and lease timing
See the rent behind the property.
Units, tenants, and lease dates
Income and rollover exposure
Document to reviewed fact
Read the source before changing the case.
Selectable-text PDFs are parsed in this browser with PDF.js. Labeled numbers and dates produce candidates for review. Scanned pages require OCR, which is not included. Up to 100 pages and 10 MB are supported per review.
Select a source PDF to read its text.
Suggested fields to check
Parsing: PDF.js 6.4.299. License. Text pattern matching may miss terms or find the wrong period; review the document.