Exit Strategy Stress Test☆

Tests whether a short-term loan actually gets repaid. It turns a sponsor's exit story — sell it, refinance it, or bring in other capital — into a scored, stressed answer, and says what structure would make the loan safe.

What it does

• Scores the exit on four axes: how specific it is, the evidence behind it, timing headroom, and payoff coverage under stress
• Models the runway — when the interest reserve runs out, when the borrower's cash runs out, and whether either comes before the exit
• Stresses sale price, days on market, takeout rates, DSCR requirements and duration in base, adverse and severe cases
• Computes the break-even sale price, or sizes the refinance takeout and any gap, with the arithmetic shown
• Recommends specific fixes — a larger reserve, lower leverage, extension options, a liquidity covenant — and re-runs the stress to show they work

When to use it

• Underwriting a bridge, fix-and-flip, construction or land loan where the exit is the main credit question
• The exit is a refinance and you want to know whether it will qualify
• Deciding whether the interest reserve or an extension option is big enough
• Before a deal goes to credit committee

What to have ready

• Loan amount, split into initial advance and holdback
• Rate, term and maturity
• Interest reserve, in dollars and months
• The exit type, and the ARV or stabilized value with its source
• Comps and days on market, or stabilized NOI for a refinance
• The sponsor's post-closing liquidity and track record

How to use it

1. Download it with the button above. You'll sign in with a work email — that's how the creator knows who is using their skill.
2. Copy the install prompt from the "Run it in Claude" box, and paste it into Claude along with the file. Claude installs the skill, fills in your firm's details where the file has [BRACKETED] placeholders, and runs a quick test with you.
3. Then just ask in plain English. Claude picks the skill up on its own when a request matches it. Anything it still needs, it asks you for — it won't invent a number.

"Stress the exit on [PROPERTY ADDRESS] — $[LOAN AMOUNT] at [RATE]% for [TERM] months with a [N]-month interest reserve. The exit is a sale at an ARV of $[ARV]; comps and the sponsor's bank statements are attached."

What you get back

A stress test memo for credit committee: a verdict line with a score out of 12, a score table, the runway model, base / adverse / severe scenarios, the break-even analysis, red flags, numbered conditions to approve, a re-stress under the recommended structure, and the missing inputs that would change the answer.

Good to know

• Output quality tracks input quality. A missing figure is flagged as missing — it is never estimated to fill a gap.
• Every draft is a starting point for your own review, not a finished decision.
• Runs anywhere Claude does: the Claude app, Claude Desktop, or Claude Code.
• Rates, cap rates and prices are never forecast — the stress cases are labeled assumptions anchored on a current quote, and anything missing is scored as missing evidence.

Legal disclaimer

This skill drafts; it does not decide. Its output is not legal, tax, accounting, appraisal, or investment advice, and using it creates no attorney-client, fiduciary, or advisory relationship. Nothing it produces is a commitment to lend or an offer to sell a security. Verify every number, date, citation, and conclusion against the source documents, and have a qualified professional licensed in the relevant jurisdiction review the work before you rely on it or send it to a borrower, investor, counterparty, or regulator. Laws, rates, and market data change. The final work product is yours.