CRE debt and collateral schedules
Make every property, obligation, and ownership share reconcile.
LendForma’s current package workspace supports a schedule of real estate owned tied to guarantor financials and related debt. Property-level rent-roll and T-12 spreading remain a later CRE expansion—not a feature claim today.
Current schedule fields
- Property description or address and property type.
- Ownership entity, borrower share, and acquisition date when requested.
- Current supportable market value and valuation date or basis.
- Associated lender, mortgage balance, payment, rate, and maturity.
- Rental-income context, operating notes, and the source of each material value.
Link the mortgage explicitly
A lender should not have to infer which debt belongs to which property. Use matching property references and flag mortgages that are not yet connected to a real-estate asset.
Separate value from equity
Market value describes the asset. Mortgage balance describes the obligation. Equity is the difference before transaction costs, taxes, liens, or ownership adjustments; label each figure clearly.
Later CRE vertical
Rent rolls, T-12 normalization, property-level NOI, and scenario DSCR should build on the same party, property, debt, and provenance model after the SBA packaging workflow demonstrates repeat use.