A calm, confidential read on how serious it is, what you can ask your lender for, and whether operations or the capital stack is the fix.
Run the numbers right here — no full diagnostic needed.
Does the property cover its loan?
Operating profit before debt.
Distress rarely starts with a missed payment. More often a covenant trips first — coverage drops below the level your loan requires — which can spring a cash-management sweep or a default notice while you're still current. Next is maturity default, today's most common hotel problem: the loan comes due and a payoff or refinance isn't lined up. A payment default is the most serious, triggering cure periods and default interest. Knowing which stage you're in determines what you can ask for.
Lenders generally prefer a workable plan to taking back a hotel. Depending on your situation, reasonable requests include a maturity extension, a temporary interest-only period to rebuild coverage, a covenant waiver or reset, a principal paydown structure, or — in real distress — forbearance. The key is coming early, with numbers and a credible, time-bound operating plan, rather than waiting for the lender to move first.
Before you negotiate, understand your exposure. Non-recourse loans generally limit the lender to the property — but standard bad-boy carve-outs can make the debt personal if certain acts occur, most commonly a bankruptcy filing, fraud, or an unapproved transfer. Recourse loans and personal guaranties put your other assets in play. This shapes every decision, so confirm your guaranty terms with an attorney before you act.
Our tools are safe and confidential by design — no hotel financial data is stored, ever, and no name is required. You'll get a clear read and a lender-prep checklist.
If any of these sounds familiar, the tools above are built for it.
NOI no longer covers debt service, and you need to know how big the gap is and what realistically closes it.
The loan is coming due and a full payoff or refinance isn't lined up. You need a plan and a lender conversation.
A paydown, a cash sweep, a covenant cure — and you want to understand what's reasonable before you respond.
Recourse, guarantees, bad-boy carve-outs — you need to know what's actually at risk for you personally.
We measure coverage, the refinance gap, maturity risk, and your equity cushion — so you know how serious it is, in plain numbers.
Talking points, a credible narrative, the documents to bring, and the asks that fit your case — extension, interest-only, covenant relief, or a workout.
Forbearance, modification, paydown, equity, recap, or sale — what each solves, what it doesn't, and how it affects your control and exposure.
No judgment, no pressure. Tell us where things stand and we'll help you see the options.
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