Paradyme Financial Group LLC

Using analytical concepts and models, we provide specific solutions to optimize your financing decisions.

Sample Functions

One of over 2,000 fields in a credit facility model

IF(OR(OR(BG17="y",BG17=1),AND(BF17=1,BG17<>-1,BG17<>"n")),1,0)

Formula to determine tenant rollover in a commercial lease

IF($C17="V","",IF(AND($C17<>"",+M$7-$J17>=0),IF(MOD(+M$7-$J17,IF(AND(+$C17="A",
+ANCHOR_AVG_TERM>0),ANCHOR_AVG_TERM,IF(AND(+$C17="S",SHOP_AVG_TERM>0),SHOP_AVG_TERM,+M$7)))
=0,+$D17,""),""))

Output of a construction loan model yielding a maximum loan of $44,210,000 subject to investor constraints

OUTPUTS			Constraints (Cn)	MAX Ln (sub to)			Max Ln
LP1	DSCR	1.25x	C1	≥	1.25x		44,210,000
LP2	LTV	65.9%	C2	≤	70%		46,940,000
LP3	LTC	60.5%	C3	≤	65%		47,520,000
ERn	Expense / Revenue Ratio	32.2%		≥	30%
SFn	Structures Cost PSF	90.67

The final logico-mathematical function qualifying a property in the optimal financing mix of a $230MM, 23-multifamily, 2,200-field property array

QF12  =  IF(OR(OR(BH16="y",BH16=1),AND(BG16=1,BH16<>-1,BH16<>"n")),1,0)
CF17 = IF(AND('Output Array'!$BH21<>1,OR($H$6=0,$H$6="n"))," - ",'Output Array'!$BE21)

Cash out versus loan amount in a credit facility model