Loan Underwriting
At the heart of any real estate transaction, loan underwriting comprises a wide but interconnected array of tasks, each of which requires expert analysis and careful scrutiny. Townhouse takes a proactive role in the underwriting process, partnering with clients to identify red flags, assess deal assumptions, analyze financial status, and evaluate all factors that impact a project’s potential risks. Services include:
We determine the maximum supportable loan amount, identifying opportunities and potential concerns from preliminary source documentation and overall market knowledge.
In addition to adopting the client’s proprietary underwriting platform, we also provide custom Excel modeling and analysis services that are user friendly, comprehensive, and scalable for any sized project, to help clients make critical lending decisions.
We develop reports that evaluate and estimate the performance of underlying assets or portfolios, highlighting opportunities and mitigating potential risks.
We perform a variety of due diligence services that include tenant analysis, market research, property assessment, legal and document review, CAM reconciliation, real estate tax analysis, sponsor analysis, and more.
We provide comprehensive lease reviews to verify underwriting assumptions as well as identify any red flags or areas of potential concern.
We evaluate appraisal, engineering, environmental, zoning, and seismic reports to affirm their findings and make alternate recommendations where appropriate.
We conduct in-person inspections to verify underwriting assumptions and overall market position, and to report on discrepancies and findings.
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