For Commercial Loan Officers ·
What you'll accomplish
You'll learn to paste a commercial rent roll into Claude and get back a structured analysis: tenant concentration, lease term risk, vacancy impact, and effective gross income calculation, plus a narrative section ready for your credit memo. CRE underwriters who handle multiple rent rolls per week save 30-45 minutes per property.
What you'll need
Collect the following from the borrower's rent roll:
Claude works best with structured text. Convert the rent roll to this format:
Property: [address, property type]
Total SF: [X]
Total units/spaces: [X]
Tenant | SF | Lease Start | Lease Exp | Annual Rent | % of Total Rent
[Tenant 1] | [SF] | [date] | [date] | $[X] | [%]
[Tenant 2] | [SF] | [date] | [date] | $[X] | [%]
[VACANT] | [SF] | N/A | N/A | $0 | 0%
Paste this prompt followed by your formatted data:
Analyze this commercial property rent roll for a commercial real estate loan underwriting.
[Paste your formatted rent roll table]
Please provide:
1. Occupancy rate and vacancy analysis
2. Tenant concentration analysis (flag any tenant >20% of rent)
3. Lease expiration schedule by year (flag expirations in next 2 years)
4. Estimated effective gross income (assuming [X]% vacancy reserve)
5. Key risks for the lender
6. A 2-paragraph narrative suitable for a CRE credit memo
Context: This is securing a $[loan amount] loan. The property is a [property type] in [location].
What you should see: A structured analysis covering all 6 elements, followed by a credit memo narrative paragraph.
Pay special attention to:
For a multi-family property:
Analyze this apartment property rent roll for CRE underwriting: [paste unit list with rents]. Calculate occupancy rate, average rent per SF, rent variance across units, and EGI at [X]% vacancy. Note any below-market rents or lease concessions.
For a stress test scenario:
For the rent roll above, calculate the impact on NOI if: (1) the largest tenant (X% of rent) doesn't renew at lease expiration, and (2) replacement takes 9 months at 85% of current rent. How does this affect DSCR on a $[X]M loan with $[X] annual debt service?