Debt Schedule
Replaces the debt spreadsheet — for good.
Every debt instrument across the portfolio lives here — maturity dates, IO expirations, lender contacts, refinance scenarios, and a real audit history. One source of truth, no stale tabs, no broken formulas. Matty reads the schedule and answers cash-flow and refinance questions in plain English.
Meet Matty
Your debt schedule co-pilot — reads the book, runs the math, explains the trade-offs.
How it works
Three steps from scattered docs to a schedule you actually trust.
Every instrument in one place
Mortgages, lines of credit, mezz, seller carrybacks — they all live in the same schedule with the same fields. Loan docs attach to the instrument so the PDF and the data live together.
No more guessing whether the spreadsheet, the email thread, or the lender portal has the latest balance.
Maturity radar warns ahead
180, 90, 60, and 30 days out from a maturity or IO expiration, the radar surfaces the instrument with a status dot. Refinance windows stop sneaking up on the team.
The closer the date, the louder the signal. You never find out about a balloon two weeks before it triggers.
Ask Matty, get answers
“What’s our weighted-average rate?” “If I refi Maple Court at 6.2%, how does monthly cash flow change?” Matty reads the schedule and answers in plain English.
Build a refi scenario, compare it side-by-side with the current loan, and let Matty explain the trade-offs.
See it in action
What you’ll see inside the tool.
The maturity radar
30, 60, 90, and 180-day windows. Status dots tell you what needs attention right now.
Maturity Radar
4 instruments inside the 180-day window
Maple Court Apartments
30dFirst National · IO expiry: Sep 2026
$4.82M
28 days out
Pine Ridge Apts
60dRegions Bank · IO expiry: Jul 2026
$2.35M
56 days out
Cedar Lane Townhomes
90dTruist · IO expiry: —
$3.10M
84 days out
Oakhill Run
180dSynovus · IO expiry: Mar 2027
$5.95M
168 days out
Matty notes
Maple Court is the urgent one — 28 days to IO expiry and the rate steps from 4.5% to a market floater. Want me to model a refi at today’s pricing?
A refinance scenario, compared
Current loan vs the hypothetical refi — payment delta, interest delta, and Matty walking the trade-offs.
Scenario · Maple Court Refi
Refi at 6.20% · 7-year IO
Current
Hypothetical refi
Impact
Monthly payment
+$6,828
Total interest, 7y
+$573,552
Matty explains
The 170 bps jump costs you about $6.8K a month. With current NOI of $32K, DSCR drops from 1.77 to 1.28 — tight but covered. Locking now buys you 7 years of certainty before the next reset; floating exposes you to short-term cuts.
Why you’ll use it
The debt spreadsheet was always going to break.
Multiple tabs, formulas pointing at deleted rows, the IO column drifting one cell off — the schedule that should anchor the portfolio ends up as the document nobody fully trusts. Debt Schedule replaces it with one place that’s always current.
One place to look
Every instrument, every property, every lender. Pull up a balance, a maturity, or a contact in seconds without opening three documents.
No more surprise maturities
The radar surfaces what’s coming inside 180 days, with louder warnings as the date gets closer. You start refi conversations early, not late.
Run a refi in five minutes
Build a hypothetical, see the payment and interest delta, ask Matty to explain the trade-offs. No more calling the broker for every rough estimate.
Loan docs live with the loan
Attach the note, the deed, the side letter to the instrument itself. The PDF is one click away the next time someone asks a covenant question.
Matty answers in plain English
“What’s our weighted-average cost of debt?” “Which loans float?” The answer comes back grounded in the actual schedule.
Who uses it
Built for the people who own the debt picture.
Operations Leads
The folks who watch the maturity calendar, line up refi conversations, and answer cash-flow questions in the next leadership meeting. Debt Schedule is your daily view — radar in the morning, scenarios when something needs a closer look.
- Open the radar each morning to see what’s inside the 180-day window
- Build refinance scenarios and compare them to the current loan
- Ask Matty for weighted-average rates, DSCR roll-ups, and floater exposure
- Pull lender contacts and loan docs without digging through email
- Watch covenants and IO expirations move from green to amber in real time
Editors who manage instruments
When a new loan closes, an instrument gets paid off, or a side letter modifies a covenant, somebody has to update the record. Editors keep the schedule current — attaching docs, recording paydowns, and noting the changes that the rest of the team relies on.
- Add a new instrument with full lender, rate, and maturity detail
- Attach loan docs, side letters, and amendments to the instrument record
- Record paydowns and balance updates so cash flow stays accurate
- Update covenants, IO expiry, and reset dates as the loan matures
- Use the audit history to see who changed what and when
Look up a maturity date in a leasing call.
The radar, the schedule, and Matty all work on a phone browser. Get asked when the Pine Ridge IO expires while you’re in a leasing meeting? Pull it up in five seconds. No laptop, no spreadsheet.
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