LESSON 6

The Borrower Risk Diagnostic Tool

A simple framework to evaluate any term sheet you receive. Score three factors on a scale of 1-3:

LTV Risk

1pt
≤75%
2pts
76-80%
3pts
>80%

DSCR Risk

1pt
≥1.30
2pts
1.20-1.29
3pts
<1.20

Recourse Risk

1pt
Non-recourse
2pts
Partial
3pts
Full

Verdict Scale:

3-4 points: PROCEED with standard due diligence

5-7 points: RENEGOTIATE before committing

8-9 points: WALK AWAY — this is a trap

Try the Interactive Tool →