USIG Commercial Analysis

Step 2 of 4

Supporting Documents (Optional)

Uploading supporting documents improves the quality and confidence of the analysis but is not required. You can complete a full preliminary underwriting using manually entered assumptions and upload documents later as they become available.

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Rent Roll

Excel / CSV / PDF

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T-12 / Operating Statement

PDF / Excel

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Offering Memorandum

PDF only

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Lease Abstracts

PDF only

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Lender Term Sheet

PDF only

💡Rent rolls and T-12s give the AI the most data. Term sheets let us cross-check the proposed loan terms against banking standards in real-time.

Step 1 of 4

Deal Information

Start here. Most commercial property analyses can be completed in just a few minutes using estimated inputs. Fields marked ✦ are new in v2 — they power Debt Yield, NCF DSCR, LTC, and Break-Even Occupancy calculations.

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Connected from USIG Mortgage PWA?

If you arrived here from the commercial mortgage form, your deal data is pre-filled below.

✦ Advanced Metrics (research-backed 2025-2026 banking standards):

Debt Yield (NOI/Loan)DSCR on NCFStressed DSCR +200bpsLoan-to-CostBreak-Even OccupancyLeverage SpreadPost-Acquisition Tax AdjustmentAsset-Class DSCR FloorsMax Loan Sizing

Property Address

Asset Class

Purchase Price ($)

Size (SF or Units)

Asking Cap Rate (%)

Current Occupancy (%)

Gross Potential Rent (Annual $)

In-Place NOI (Annual $)

✦ Replacement Reserves (Annual $)

✦ Management Fee (% of EGI)

Loan Request ($)

Loan Type

Interest Rate (%)

Amortization (years)

Loan Term (years)

WALT (years)

Year Built

✦ Total Project Cost ($) for LTC

✦ Borrower Liquidity ($)

Borrower Credit Score

Financial Information Source

Additional Notes

CoStar Listing Link (optional)

⚖️Market Comps (optional)

Enter cap rates from 2-3 comparable recent sales to see how this deal is priced against the market.

🏛️Post-Acquisition Property Tax Adjustment (optional)

When a property sells, many counties reassess property taxes to the new purchase price. The seller's current tax bill often understates what a buyer will actually pay. Use this section to see how a reassessment would affect NOI and every downstream metric.

Current Annual Property Taxes ($)

Local Property Tax Rate (%, optional)

Estimated Post-Acquisition Annual Taxes ($)

Recalculate NOI using estimated post-acquisition property taxes

⚠️Confirm whether the entered NOI reflects current ownership expenses or estimated post-acquisition expenses. Property-tax reassessment may materially affect NOI and debt-service coverage.

This is a modeling estimate to support your own underwriting review — not legal, accounting, or tax advice. Confirm actual reassessed values with the county assessor or a qualified professional.

Step 3 · AI Underwriting

Deal Analysis

📥AI-Extracted Deal Data

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Run analysis to see extracted data.

✅11-Point Banking Guidelines Cross-Check

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Run analysis to see guidelines check.

🚩Risk Flags & Opportunities

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Run analysis to see risk flags.

🛡️USIG Five-Factor Deal Risk Score

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Run analysis to see the risk score.

📉Deal Stress Test — Expected / Conservative / Severe

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Run analysis to see the stress test.

☑️Missing Information Checklist

☑️

Run analysis to see missing items.

⚖️Comps Check

⚖️

Add comps in Deal Information, then run analysis.

📄Deal Narrative

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Run analysis to see narrative.

💰Maximum Loan Sizing

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Enter NOI, Price, Loan, Rate, Amortization to calculate max loan sizing.

Step 4 · Lender Package

Lender Package

Email-ready format and printable one-pager. All 11 checks included. Print → Save as PDF for lender distribution.

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Generate Investment Package

Send this deal to USIG CRE Packing to build a broker marketing package (teaser, OM, flyer) — opens in a new tab with your address, price, NOI, cap rate, occupancy, and notes already filled in.

Email-Ready Lender Submission

Complete the deal analysis first to generate your lender email.

🖨️

Complete the deal analysis first.

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