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RiskREport descriptions

A Report Symmery

1. Executive Risk Summary

What it is:
A one-page snapshot of the landlord and asset risk profile.

What it includes:

  • Overall Risk Score (0–100)

  • Risk Tier (Low / Moderate / Elevated / High)

  • Key Risk Drivers

  • Recent Distress Signals

  • Debt Maturity Exposure

  • Refinance Vulnerability Indicator

How to use it:
This is your pre-call brief before a client meeting or negotiation. It tells you whether the landlord is stable, stressed, or potentially distressed — and why.

Broker Use Case:
“If we’re signing a 10-year lease, this landlord has a loan maturing in 18 months with DSCR below 1. That changes our leverage.”

2. Loan & CMBS Exposure Report

What it is:
Detailed breakdown of the property’s debt structure.

Data Sources Include:

  • CMBS filings

  • SEC 10-K / 10-Q reports (for public REITs)

  • Trepp / Moody’s structured loan data

  • Public foreclosure filings

What it includes:

  • Loan balance

  • Interest rate

  • Maturity date

  • DSCR (Debt Service Coverage Ratio)

  • Occupancy assumptions

  • Covenant risk flags

  • Special servicing status (if applicable)

How to use it:
Understand refinance risk and potential capital constraints. A maturing loan in a high-rate environment is a negotiation lever.

3. Distress & Early Warning Indicators

What it is:
AI-driven analysis of financial and operational red flags.

Signals may include:

  • DSCR < 1.0

  • Declining occupancy

  • Significant tenant rollover exposure

  • Expiring anchor tenants

  • Tax assessment drops

  • Capital expenditure pullbacks

  • Public lien or foreclosure filings

  • Equity impairment signals

Why it matters:
Risk rarely appears overnight. This section highlights patterns before distress becomes public.

Broker Application:
Use this to negotiate:

  • Shorter lease term

  • TI escrow protections

  • SNDA protections

  • Stronger non-disturbance language

4. Landlord Financial Health Profile

What it is:
Macro view of the landlord entity.

Includes:

  • Portfolio size

  • Geographic concentration

  • Public vs private status

  • Liquidity indicators

  • Debt ladder overview

  • Recent earnings commentary (if public)

Use Case:
A building may look fine — but the parent entity may be stressed. This section helps you evaluate enterprise-level risk.

5. Market & Comparable Risk Context

What it is:
How this building compares to others in the same submarket.

Includes:

  • Submarket vacancy trends

  • Comparable asset distress levels

  • Sale activity indicators

  • Cap rate shifts

  • Refinancing pressure in area

Why it matters:
If 40% of similar buildings have loans maturing within 24 months, your leverage increases.

6. Negotiation Leverage Summary

What it is:
A structured summary designed specifically for brokers.

Includes:

  • Top 3 Negotiation Points

  • Suggested Risk Framing Language

  • Lease Clause Areas to Strengthen

  • Red Flag Checklist

Example:

  • “Loan maturity within 12 months — request stronger TI escrow protections.”

  • “Below-market occupancy — push for rent abatement.”

This is not legal advice. It is negotiation intelligence.

7. Ongoing Monitoring Alerts (If Enabled)

What it is:
Continuous monitoring of:

  • Loan status changes

  • Special servicing transfers

  • Foreclosure notices

  • Major tenant departures

  • SEC filing updates

You can opt-in or adjust alert thresholds.

Understanding the Risk Score

The Risk Score blends:

  • Debt maturity timing

  • DSCR stability

  • Capital structure risk

  • Market pressure

  • Public financial disclosures

  • Distress signals

  • Portfolio exposure

It is not a prediction of default.
It is a risk posture indicator to support negotiation and protection.

What RiskReport Is Not

  • Not a credit rating agency

  • Not legal advice

  • Not a replacement for lender underwriting

  • Not a guarantee of future financial performance

It is a tenant-side intelligence layer designed to give brokers leverage.

Best Practices for Brokers

  1. Pull RiskReport before issuing LOI.

  2. Use the Executive Summary in internal strategy calls.

  3. Incorporate findings into LOI protections.

  4. Use distress signals to justify concessions.

  5. Turn monitoring on for long-term leases.

Frequently Asked Questions

Q: How current is the data?
Public filings and loan updates are refreshed as new data becomes available. Monitoring alerts reflect changes in near real time depending on source availability.

Q: Can I export the report?
Yes — PDF export is available for client presentations.

Q: Can clients see the raw data sources?
Source transparency is provided where legally permissible.