Debt Optimizer
Your debt is a tool. Use it.
See your entire debt portfolio at once. Model refinance scenarios, compare HELOC vs. cash-out refi, and get a step-by-step debt optimization playbook that sequences decisions by impact and urgency.
Portfolio debt service
$11,360/mo
88 Pine Avenue
Conventional
$1,820
6.20%
142 Oak Street
DSCR
$2,240
7.85%
305 Market Blvd
Commercial
$4,180
5.95%
17 Harbor Lane
Hard Money
$3,120
11.50%
Toggle Current ↔ Optimized — savings recalc per loan
Debt Portfolio
Debt Overview
See all loans across your portfolio in one view. Maturity timeline, rate distribution, and lender concentration at a glance.
Rate Analysis
88 Pine
142 Oak
305 Mkt
27 Elm
Rate Analysis
Compare your current rates against market benchmarks. Identify properties where refinancing could yield significant savings.
Maturity Timeline
Maturity Planning
Visualize upcoming maturities and plan ahead. Avoid refinancing crunches with proactive planning.
Refinance Model — 88 Pine Ave
Current
Refinanced
Annual Savings
$4,080/yr
Refinance Modeling
Model refinancing scenarios with current market rates. See impact on cash flow, returns, and equity position.
LTV Management
LTV Management
Track loan-to-value ratios across properties. Identify opportunities to access trapped equity or reduce leverage.
Outcomes
Refinance the right loan, at the right time
$340/mo
Avg savings per refinance flagged
Median across rate-improvement signals on Conventional and DSCR loans.
1.82×
Portfolio DSCR target
Live monitoring against your covenants — alerted before your lender notices.
12 mo
Refi window forecast
Per-loan timeline showing when prepay penalty drops, rate caps reset, and balloon dates hit.
See Debt Optimizer in action
View Debt Portfolio
View Debt Portfolio
Start with a complete overview of all debt across your portfolio. Key metrics and alerts surface opportunities.
Debt Portfolio
Total: $1.86M • Wtd Avg: 5.94%Analyze Rate Opportunities
Analyze Rate Opportunities
See which properties have rates above market and the potential savings from refinancing.
Rate Opportunity Analysis
Model Refinancing Scenarios
Model Refinancing Scenarios
Run what-if scenarios to see how different refinancing strategies affect portfolio metrics.
Refinance Model — 88 Pine Ave
Current
Refinanced
Ready to see your portfolio differently?
Free for up to 3 properties. No credit card, no sales call.
Use cases
When to use Debt Optimizer
Real scenarios where Debt Optimizer delivers value
Quickly identify which properties would benefit most from refinancing at current market rates.
Outcome: Prioritize refinancing efforts where savings are greatest.
See upcoming maturities well in advance. Plan refinancing or payoffs before pressure situations arise.
Outcome: Avoid last-minute refinancing scrambles and unfavorable terms.
Analyze LTV across properties to identify where you can access equity or should reduce leverage.
Outcome: Optimize capital structure for risk and return objectives.
See lender concentration and identify opportunities to consolidate relationships for better terms.
Outcome: Build stronger lender relationships with portfolio-level discussions.
Common questions
Snap a photo of your closing disclosure or note — we extract rate, term, prepay structure, and amortization. Or enter manually in 60 seconds. Updates from rate sheets pull automatically once connected.
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