Size the debt, schedule DSCR through the hold, and surface the refinance year and the rate at which the deal breaks. Reach for this before any levered return is quoted.
Installs into .claude/skills of the current project.
Are you the author of Stress The Debt And Refi?
Add the live security badge to your README. It updates with every re-scan.
[](https://www.skillsdirectory.com/skills/mcorbett51090-stress-the-debt-and-refi)
---
name: stress-the-debt-and-refi
description: "Size the debt, schedule DSCR through the hold, and surface the refinance year and the rate at which the deal breaks. Reach for this before any levered return is quoted."
---
# Skill: Stress the debt and refinance wall
Most deals die at the refi, not the entry. This makes the debt and the refinance wall explicit.
## Step 1 — Size to a DSCR and LTV
Set the loan against in-place NOI at a target DSCR and LTV; record the constraint that binds.
## Step 2 — Schedule DSCR through the hold
Project DSCR each year against the NOI plan; a dip below covenant is a flag, not a footnote (§3 #6).
## Step 3 — Find the refi wall
Identify the maturity year and the take-out assumption — the rate and cap at which the refinance fails.
## Step 4 — Quantify equity at risk
State the equity exposed if the refi clears at a stressed rate, not the base.
## Output
A debt schedule, a DSCR path, the refi year and break rate, and the equity at risk under stress.
