How a CRE lender screens a loan request before ordering a full credit memo

A lender can screen a loan request in minutes by reading the borrower's package for five things: in-place NOI, debt service coverage, loan-to-value, debt yield, and any gap between the sponsor's rent roll and its operating statements. Titleman Underwriting reads the offering memorandum and rent roll and returns those numbers with the assumptions listed, so the credit officer decides whether the request deserves a full memo. ## What to check first | Check | Why it matters | |---|---| | In-place NOI against sponsor NOI | Shows how much of the story is projection | | DSCR at the quoted rate | Tests whether the loan sizes on actual income | | Debt yield | Gives a view that does not depend on cap rate | | Rent roll against trailing operating statement | Flags income that does not tie out | | Tenant rollover in the loan term | Shows near-term refinancing risk | ## How Titleman fits Forward the offering memorandum and rent roll. Underwriting reads them and returns a screening summary that lists every assumption, so the numbers can be checked line by line. Signals can also surface new loan opportunities in a territory. ## Frequently asked questions **Does a screen replace the credit memo?** No. It decides which requests earn one. **What does the lender send?** The offering memorandum, rent roll and operating statements. See a sample result at [Titleman Underwriting](https://titleman.ai/) and send one deal to try it.