Updated 24 days ago on .
📽️ CapEx Shock - How Deferred Maintenance Destroys Your Loan Terms 📽️
📽️ Most multifamily buyers underestimate how quickly deferred maintenance can blow up a loan.
Old roofs.
Galvanized plumbing.
HVAC at end-of-life.
Parking lot failure.
Moisture intrusion.
Foundation movement.
Every one of these items triggers a completely different underwriting model.
In the video above, we break down how lenders actually read inspection reports and why CapEx issues force lenders to cut leverage, increase reserves, and sometimes reclassify your "stabilized" deal into a bridge-style loan.
Inside the breakdown:
• How inspectors and appraisers flag major CapEx
• Why deferred maintenance instantly reduces proceeds
• How lenders use reserves and holdbacks to control future risk
• Why arguing with the inspection report always backfires
• How to present a clean repair plan that still gets funded
• The difference between manageable CapEx and lender-red-flag CapEx
The deals that die aren't the ones with CapEx problems.
The deals that die are the ones where the borrower can't prove they can manage the CapEx.
If you have an inspection report with big-ticket items and you want to know exactly how a lender will interpret it, DM CAPEX and send the report.
We’ll walk you through the lender’s risk view line by line.
Phoenix Funded
305-439-9511