Track Every Loan.
Spot Every Risk.
Refinance at the Right Time.
CRELYTIC Debt Dashboard consolidates your entire CRE loan portfolio into a single command center — monitoring DSCR, LTV, and covenant compliance in real time, with automated refinancing intelligence that identifies opportunities before they close.
What Sets Debt Dashboard Apart
Five capabilities working together to replace your manual debt tracking workflow.
Loan Portfolio Overview
Every loan in your portfolio is tracked in a single consolidated view — outstanding balance, interest rate, spread, maturity date, years remaining, and current status. Filter by property, lender, loan type, or risk tier. No more cross-referencing term sheets and amortization schedules across different folders. Your entire debt stack is visible at a glance, with drill-down to individual loan detail that shows payment history, rate resets, and covenant requirements.
When you manage 15 loans across 8 properties with 4 different lenders, a unified loan ledger isn't a nice-to-have — it's the only way to avoid missing a maturity date or covenant test that could trigger a default.
DSCR & LTV Monitoring
Real-time debt service coverage ratio and loan-to-value calculations update automatically as property financials change. Set custom threshold alerts — when DSCR drops below 1.25x or LTV climbs above 75%, the dashboard surfaces the issue before your lender does. Trend tracking shows directional movement over time, so you can see whether a property is improving or deteriorating against its covenant requirements.
A DSCR that drifts from 1.40x to 1.28x over three quarters is a trend your lender will notice. Debt Dashboard surfaces the trajectory early enough to take corrective action — whether that means cutting expenses, raising rents, or restructuring the loan.
Refinancing Intelligence
The refinancing engine continuously compares your existing loan terms against current market rates and available products. When the spread between your in-place rate and market rates exceeds a configurable threshold, Debt Dashboard flags the opportunity with projected savings — estimated monthly payment reduction, total interest savings over the remaining term, and break-even timeline accounting for closing costs. It factors in remaining term, prepayment restrictions, and property performance to determine which loans are actionable now versus which need to season.
Refinancing windows in CRE are narrow. By the time you manually run the numbers, rates may have moved. Automated monitoring means every loan is continuously evaluated against the current rate environment — not just when someone remembers to check.
Prepayment Analysis
Every loan's prepayment provisions are modeled — yield maintenance, defeasance, step-down penalties, and lockout periods. Before you refinance, Debt Dashboard calculates the exact penalty under each method, compares defeasance cost versus yield maintenance cost, and shows the net benefit (or cost) of early payoff. The analysis accounts for Treasury rates, remaining term, and loan-specific provisions to give you a precise number, not an estimate.
A 5-year-old CMBS loan with a yield maintenance clause and 2 years remaining could have a prepayment penalty that wipes out any refinancing savings. Debt Dashboard runs the math before you engage a defeasance consultant, so you know whether the opportunity is real.
Rate Environment Context
Your loan portfolio doesn't exist in a vacuum. Debt Dashboard overlays current market rates — SOFR, Treasury yields, CMBS spreads, bank lending rates — against your in-place loan rates so you can see exactly where each loan sits relative to the market. Spread analysis shows which loans are above or below market, and historical rate charts provide context on whether current conditions represent a window of opportunity or a reason to hold.
When SOFR drops 75 basis points over a quarter, you need to know immediately which floating-rate loans benefit and which fixed-rate loans are now above market. Rate environment context turns macro data into portfolio-specific action items.
See It In Action
Interactive debt portfolio dashboard with real-time KPIs, paydown projections, and loan-level tracking.
Total Debt
$78.4M
Wtd Avg Rate
5.82%
Across 5 loans
Avg Maturity
3.4 yrs
Weighted by balance
Portfolio DSCR
1.41x
Min threshold 1.25x
Debt Paydown Projection
5-year scheduled principal reduction ($M)
Loan Portfolio
| Property | Lender | Balance | Rate | Type | Maturity | DSCR |
|---|---|---|---|---|---|---|
| Oak Park MF | Wells Fargo | $24.2M | 5.45% | Fixed | Mar 2028 | 1.52x |
| Riverbend Retail | JPMorgan | $18.6M | 6.15% | Float | Jun 2027 | 1.28x |
| Summit Industrial | KeyBank | $15.8M | 5.75% | Fixed | Sep 2029 | 1.61x |
| Harbor Office | Capital One | $12.4M | 6.25% | Float | Dec 2026 | 1.18x |
| Vista Mixed | USB | $7.4M | 5.90% | Fixed | Jan 2030 | 1.45x |
Built for Every Seat at the Table
From borrowers to lenders — Debt Dashboard adapts to your role.
For Borrowers
You have 12 loans across your portfolio with maturities staggered over the next 5 years. Two loans mature in the next 18 months, one has a rate reset in 6 months, and current market rates are 100 basis points below your in-place fixed rate. Instead of tracking this in a spreadsheet you update quarterly, Debt Dashboard monitors every maturity date and rate environment shift continuously — flagging refinancing windows and prepayment penalty breakpoints so you can act on the best terms available, not the terms you happened to notice.
For Lenders
You manage a $500M CRE loan book across 80 properties with varying covenant structures. When a borrower's DSCR drops below the 1.25x covenant threshold, you need to know immediately — not at the next quarterly reporting cycle. Debt Dashboard tracks covenant compliance across every loan in real time, surfaces trend deterioration before a breach occurs, and gives you a consolidated view of portfolio risk by property type, geography, and borrower concentration.
For CFOs
Your board wants a consolidated view of total debt service obligations, weighted average interest rate, and interest rate exposure across the portfolio. Pulling this from individual loan documents and property-level P&Ls takes your team two days every quarter. Debt Dashboard aggregates it automatically — total outstanding principal, blended cost of debt, fixed vs. floating mix, upcoming maturities, and projected debt service by period — updated in real time as property financials change.
For Asset Managers
A property's NOI has increased 15% since acquisition, but it's still carrying the original acquisition loan at a higher rate with restrictive covenants. You need to know whether refinancing makes sense after accounting for prepayment penalties, closing costs, and the improved property performance. Debt Dashboard aligns property-level cash flow with the debt stack sitting on top of it — showing you exactly when the math works for a refi, a supplemental loan, or a cash-out refinance.
Platform Capabilities
Frequently Asked Questions
Common questions about CRELYTIC Debt Dashboard and loan portfolio monitoring.
Stop Tracking Loans in Spreadsheets
Your loan data is scattered across term sheets, amortization schedules, and quarterly lender reports. Every hour your team spends reconciling debt obligations is an hour they could spend identifying refinancing opportunities. CRELYTIC Debt Dashboard gives your team a live command center for every loan in the portfolio.