Lender Quote Comparator
Normalize competing lender quotes onto one basis and rank the top options with risks.
★ 105 on GitHub1 download on LenderSkills
Install it in one line — paste a single command into Claude, ChatGPT or Cursor and it writes the skill into your project.
Free, and about thirty seconds: a work email and a six-digit code.
Downloading shares your name, firm, role, and email with Avi Hacker, J.D.. That introduction is what keeps every skill here free.
What this skill does
Takes multiple lender quotes in different formats and puts them on a common basis: all-in rate, proceeds, structure, recourse, reserves, and execution risk.
What it does
- Normalizes rate constructs (spread + index + floor) into comparable all-in pricing
- Builds a weighted scoring matrix across pricing, proceeds, structure, and certainty of close
- Identifies the top three options with a risk assessment for each
- Great for brokers presenting options to sponsors — or lenders studying the competition
When to use it
Use this skill after you have collected indicative quotes or term indications from multiple lenders and need to evaluate them side-by-side on a true apples-to-apples basis. It is the right tool any time you have 2 or more lender quotes with different rate structures, fees, leverage levels, and prepayment terms, and need to determine which option is actually cheapest, most flexible, or best suited to your deal strategy.
What to have ready
- Lender quotes: rate (fixed or floating with index + spread), LTV, term, amortization, IO period, origination fees, prepayment structure, closing timeline, recourse…
- NOI projections: at minimum Year 1 NOI; ideally a 5-year pro forma
- Purchase price and equity structure (down payment, closing costs, reserves)
- Target hold period (typically 5 years) — used for total cost of capital calculation
- Deal strategy context: stabilized vs. value-add, exit via sale vs. refinance
- Financial model outputs (if available): base case IRR, equity multiple, cash-on-cash — used to calculate financing impact on returns
How to use it
- 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.
- 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. - 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.
"Use the Lender Quote Comparator skill — I've got lender quotes."
What you get back
A structured report covering normalized comparison matrix, scoring methodology, scoring results, top 3 recommendations, risk analysis, total cost of capital comparison, and impact on deal returns. You get it as readable analysis plus the underlying data, so it can feed straight into a memo or another skill.
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.
Source & credit
Imported from the open-source cre-agent-skills library by Avi Hacker, J.D. (github.com/ahacker-1/cre-agent-skills), Apache-2.0 license. The author's content is unmodified apart from a legal disclaimer appended at the end of the package. Full credit to the author.
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.
Inside this skill
The actual file you get. Members can read it in full before saving it.
Quote Comparator
Normalize and compare multiple lender quotes on a common basis, build a weighted scoring matrix, and identify the top 3 financing options with risk assessments for each.
When to Use This Skill
Use this skill after you have collected indicative quotes or term indications from multiple lenders and need to evaluate them side-by-side on a true apples-to-apples basis. It is the right tool any time you have 2 or more lender quotes with different rate structures, fees, leverage levels, and prepayment terms, and need to determine which option is actually cheapest, most flexible, or best suited to your deal strategy.
What You'll Need to Provide
- Lender quotes: rate (fixed or floating with index + spread), LTV, term, amortization, IO period, origination fees, prepayment structure, closing timeline, recourse terms, and reserve requirements for each lender
- NOI projections: at minimum Year 1 NOI; ideally a 5-year pro forma
- Purchase price and equity structure (down payment, closing costs, reserves)
- Target hold period (typically 5 years) — used for total cost of capital calculation
- Deal strategy context: stabilized vs. value-add, exit via sale vs. refinance
- Financial model outputs (if available): base case IRR, equity multiple, cash-on-cash — used to calculate financing impact on returns
Mission
Normalize and compare all lender quotes on a common basis. Build a weighted comparison matrix that scores each option across rate, leverage, flexibility, execution certainty, prepayment terms, and timeline. Identify the top 3 financing options with risk assessments for each.
Strategy
Step 1: Normalize All Quotes to Common Basis
Every lender quotes differently. Normalize all quotes to enable apples-to-apples comparison:
1a. All-In Rate
For each lender:
IF fixed rate:
all_in_rate = stated_rate
IF floating rate:
all_in_rate = index_rate + spread
(Use current index: SOFR, T-bill, etc.)
Reading the full skill counts as a download. The contributor receives your name, company, and email.
Ratings & reviews
No written reviews yet. If you run this on a live file, say how it went. The next lender reading this page is deciding whether to trust it.
Examination record
Run it in Claude
- Copy the install command above
- Paste it into Claude, ChatGPT or Cursor
- It writes the skill in, fills in your firm’s details, and test-runs it with you
Prefer the file? The prompt above is for a package you already downloaded.
Details
More from Avi Hacker, J.D.
Imported from their public repository with attribution. Their other skills, and where to find the original, are on their contributor page.