Guides & Explainers

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Plain-English guides to the mechanics behind your loan documents — covenants, prepayment, hedging, and the metrics lenders actually test.

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T-3 vs T-12 NOI: Why Your Lender Cares and You Should Too

Trailing 3-month and trailing 12-month NOI aren't interchangeable — they tell different stories about property performance. Here's how to monitor both for covenant compliance across your portfolio.

LoanBoss Team · Jun 24, 2026 · 6 min Read More →

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Defeasance Decisions in Portfolio Context: When Does It Make Sense?

Defeasance isn't a standalone calculation — it's a portfolio decision. Here's the framework for when to defease, when to hold, and how rate environments change the math.

LoanBoss Team · Jun 17, 2026 · 8 min Read More →

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DSCR vs. Debt Yield: Which Metric Actually Matters for Your Portfolio?

DSCR and debt yield measure different dimensions of loan risk. Here's when they diverge, why your lender picks one over the other, and how to monitor both across every loan you own.

LoanBoss Team · Jun 3, 2026 · 7 min Read More →

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Caps in Your Debt Portfolio: What to Track and When to Act

Cap costs are moving fast. Here's how to monitor your portfolio's cap exposure, when to extend or replace, and what rising vol means for your DSCR.

LoanBoss Team · May 27, 2026 · 9 min Read More →

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What Is Yield Maintenance? The Borrower's Complete Guide

Yield maintenance is the prepayment provision most CRE borrowers misunderstand — and the one that costs them the most money. Here's how it actually works.

LoanBoss Team · May 20, 2026 · 10 min Read More →

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Yield Maintenance in Your Portfolio: What to Track and When to Act

Your yield maintenance penalty changes every day with Treasury rates. Here's how to monitor it, when prepayment makes sense, and how LoanBoss automates the math.

LoanBoss Team · May 20, 2026 · 8 min Read More →