Lenders ask for the same things every quarter — a trailing-twelve operating statement, debt service coverage, loan-to-value, and proof you are inside your covenants. Rebuilding that package by hand from exports is slow and error-prone. Plazee generates it from the data already in your books, so reporting is a review step, not a reconstruction project.
DSCR and LTV without the spreadsheet
Plazee computes Debt Service Coverage Ratio from net operating income and scheduled debt service, and Loan-to-Value from the current loan balance and property value. Because the inputs come from the live general ledger and your tracked loan terms, the ratios update as your books do.
- Net operating income pulled from the GL
- Scheduled debt service from tracked loans
- Per-property, per-entity, and portfolio-level ratios
T-12 operating statements on demand
Generate a trailing-twelve-month operating statement for any property or entity with a click. The statement rolls revenue and operating expenses month by month so lenders and underwriters see the trend, not just a snapshot.
Covenant tracking and early warnings
Record the covenants attached to each loan — minimum DSCR, maximum LTV, reporting deadlines — and Plazee tracks your position against them. You find out you are trending toward a breach while you can still do something about it, not after the lender does.
- Minimum DSCR and maximum LTV thresholds
- Loan and debt schedule tracking
- Reporting-deadline visibility
One package, ready to send
Assemble the operating statement, coverage ratios, and supporting financials into a lender package you can hand off directly. Every figure traces back to the underlying journal entries, so when an underwriter has a question, you have an answer.