Renewal / Maturity Analyzer
Stress-test your next renewal.
Project your loan balance at maturity, model the renewal at several rate scenarios, and see payment shock in dollars and percent. The post-September 3, 2025 Certificate of Insurance transfer restrictions make this renewal planning more consequential — lenders can no longer rescue a CoI shopped to them mid-stream.
Re-extending amortization on a renewal is only straightforward if MLI Select re-qualification is still available. Post-September 3, 2025, Certificate of Insurance transfer between lenders is restricted — plan your renewal with your current lender early.
Balance at maturity
$12,940,504
13.73% principal paid down
NOI at maturity
$1,216,080
Compounded 2.5% over 10 yrs
Remaining amortization
30 yrs
Keep remaining schedule
Selected scenario · +200 bps · renewal rate 5.50%
New ADS
$881,697
was $697,304
DCR at maturity
1.38x
OK
Payment shock ($)
$184,393
26.44%
Cash flow Δ
$81,687
Improved
All scenarios at chosen amortization (30-yr)
| Scenario | Rate | ADS | DCR | Shock $ | Shock % |
|---|---|---|---|---|---|
| −100 bps | 2.50% | $613,568 | 1.98x | -$83,736 | -12.01% |
| Rates hold | 3.50% | $697,304 | 1.74x | $0 | 0.00% |
| +100 bps | 4.50% | $786,812 | 1.55x | $89,508 | 12.84% |
| +200 bps | 5.50% | $881,697 | 1.38x | $184,393 | 26.44% |
| +300 bps | 6.50% | $981,513 | 1.24x | $284,210 | 40.76% |