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] | — | — | $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?