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Question 01
A developer requests a $20M construction loan with 65% LTV. The property value is $25M. What's wrong with this scenario?
Correct Answer 01
A developer requests a $20M construction loan with 65% LTV. The property value is $25M. What's wrong with this scenario?
The loan amount ($20M) exceeds 65% LTV of the $25M property value. Maximum loan should be $16.25M.
Question 02
A borrower's debt service coverage ratio is 1.1x. Should you approve their commercial real estate loan? Why or why not?
Correct Answer 02
A borrower's debt service coverage ratio is 1.1x. Should you approve their commercial real estate loan? Why or why not?
No. Most non-bank lenders require minimum 1.25x DSCR. 1.1x indicates insufficient cash flow to safely service the debt.
Question 03
You receive a loan application for a retail property with 40% vacancy. What key factors would you analyze first?
Correct Answer 02
You receive a loan application for a retail property with 40% vacancy. What key factors would you analyze first?
Analyze market vacancy rates, property location, lease rollover schedule, and potential tenant pipeline to assess risk.
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Ref Hub empowers organizations to unlock potential through scientifically designed personality evaluations. Our tools allow you to gain meaningful insights into candidates' behavioral styles, leadership potential, and compatibility with company culture.
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Our assessments delve into key personality dimensions to give you a clear picture of how a candidate’s traits align with your team’s dynamics and role requirements.
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Assessments in Minutes—Select Role, Difficulty, and Industry for Auto-Graded Surveys
Assessments in Minutes—Select Role, Difficulty, and Industry for Auto-Graded Surveys
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