Office Financing Fit
Find the lender categories, sizing constraints, and reserve requirements an office asset will face.
★ 105 on GitHub0 downloads 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
Sets realistic financing expectations for an office asset in a hard lending market.
What it does
- Identifies likely lender categories for the asset
- States the debt sizing constraints that will bind
- Surfaces the reserve requirements office deals attract
- Names the financing risks up front rather than at term sheet
When to use it
Use this skill when evaluating acquisition debt, refinance options, bridge financing, rescue capital, or loan maturity risk for an office building.
What to have ready
- Property profile, location, rentable area, asset quality, and occupancy
- Rent roll with tenant concentration and rollover
- NOI, T-12, budget, and stabilized pro forma
- Leasing cost and capital plan
- Existing debt terms if refinancing
- Requested loan amount, basis, purchase price, or payoff
- …and a few more items the skill will ask for as it goes
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 Office Financing Fit skill — I've got property profile, location, rentable area, asset quality."
What you get back
A structured report covering sizing snapshot, lender lane fit, required structure, and key financing risks. 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.
Office Financing Fit
Identify likely lender categories, debt sizing constraints, reserve requirements, and financing risks for an office asset.
When to Use This Skill
Use this skill when evaluating acquisition debt, refinance options, bridge financing, rescue capital, or loan maturity risk for an office building.
What You'll Need to Provide
- Property profile, location, rentable area, asset quality, and occupancy
- Rent roll with tenant concentration and rollover
- NOI, T-12, budget, and stabilized pro forma
- Leasing cost and capital plan
- Existing debt terms if refinancing
- Requested loan amount, basis, purchase price, or payoff
- Sponsor balance sheet and liquidity context if available
Mission
Determine which lender lanes are realistic and what likely constrains proceeds: DSCR, debt yield, LTV, tenant risk, rollover, reserves, sponsor liquidity, or capital-market appetite.
Strategy
Step 1: Classify Asset Financeability
Classify:
- CORE FINANCEABLE: high-quality, stabilized, strong tenancy, low rollover
- SELECTIVE: decent asset but office risk, moderate rollover, needs relationship lender
- TRANSITIONAL: vacancy, lease-up, heavy TI/LC, repositioning capital
- DISTRESSED / SPECIAL SITUATION: maturity default, impaired value, heavy vacancy, uncertain plan
Step 2: Size Debt by Multiple Tests
Calculate or request:
- in-place NOI DSCR
- stabilized NOI DSCR
- debt yield
- LTV
- loan per RSF
- debt service through lease-up
- leasing-cost reserve
- capex reserve
- refinance test at maturity
Step 3: Match Lender Lanes
Use Office Lender Criteria to identify:
- relationship bank
- life company
- CMBS
- debt fund / bridge
- SBA / owner-user
- private credit / rescue capital
Explain why each is likely, unlikely, or conditional.
Step 4: Identify Required Structure
Recommend:
- upfront reserve
- future funding
- earnout
- cash sweep
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.