Legal

Reviews commercial real estate mortgage loan agreements against institutional market benchmarks. Covers 17 heavily negotiated provisions — including extension options, cash sweep triggers, non-recourse carveouts, transfer restrictions, DSCR/debt yield tests, and securitization cooperation — with the typical lender position, borrower position, and market-standard language for each. Reach for this skill when you're reviewing a lender's form loan agreement, preparing redlines, or benchmarking specific provisions against well-negotiated institutional transactions.

A negotiation reference for construction loan agreements on condominium and mixed-use projects. Covers the 14 most commonly negotiated provisions — from budget reallocations and cost overrun funding to bad-boy guaranty carve-outs, transfer restrictions, and cash management waterfalls — with lender position, borrower position, and market benchmark language drawn from a large-scale South Florida construction loan. Use it to flag deviations in a loan under review, generate redline suggestions, and calibrate negotiation posture.

A structured four-phase methodology for reviewing and redlining commercial real estate loan agreements. Guides an AI agent through deal orientation, provision-by-provision review (definitions through boilerplate, in dependency order), reconciliation across provisions, and term-sheet compliance checking. Produces analysis files, redlined revised text, change summaries, and a tracked-changes Word document for each provision — ready to send to opposing counsel.

A provision-by-provision negotiation guide for environmental indemnity agreements in CRE loan closings. Covers 18 commonly negotiated provisions — from representations and warranties to survival/sunset — with the lender's desired position, the borrower's desired position, and the institutional market benchmark for each. Reach for this when reviewing an environmental indemnity in any CRE loan package, from construction to permanent financing.

Structured review workflow for CRE loan documents across agency, CMBS, bank, bridge, construction, and mezzanine loans. Covers covenant analysis with multi-year stress testing, carve-out categorization with guarantor exposure quantification, cash management tripwire analysis, transfer and assumption provisions, and intercreditor review for deals with mezz or preferred equity in the stack. Use when approaching a loan closing, evaluating a loan assumption, or setting up covenant monitoring for an asset under management.

Parses a lender quote or term sheet indication and produces a structured draft term sheet across six loan types — agency, CMBS, bank balance sheet, bridge, construction, and mezzanine. Validates DSCR, LTV, and debt yield against lender minimums, scores terms for negotiability, and flags above-market spread, expanded carve-outs, and impractical extension conditions. Use it when you've received a lender indication and need to respond with counter-terms or move to documentation.

Reviews ALTA title commitments, ALTA/NSPS surveys, and lien search results for CRE acquisitions. Works through Schedule A validation, B-I requirement tracking, B-II exception tiering, survey cross-reference, title chain validation, and lien reconciliation — then outputs a prioritized cure matrix, endorsement order list, and residual risk disclosure. Use it when title review is outstanding before a PSA execution or closing, or when you need to scope cure obligations and triage which exceptions are acceptable, negotiable, or deal-breakers.

Reviews title commitments and underlying search documents for commercial acquisitions and refinancings, working through Schedule A coverage terms, Schedule B-I requirements, and Schedule B-II exceptions. Produces a prioritized title objection letter, a requirements checklist assigning seller/buyer/standard responsibilities, and endorsement recommendations. Use it when a title commitment lands in your inbox and you need to know what has to be cleared before closing.

Assembles the full closing document package for CRE property transfers: entity authorization resolutions, deed or membership interest assignment, assignment of leases and contracts, FIRPTA affidavit, and a master closing checklist. Handles LLC, LP, DST, UPREIT, trust, and corporate sellers, with built-in branching for 1031 exchange coordination, FIRPTA withholding analysis, and state-specific transfer tax calculations. Reach for it once the PSA is executed and the seller needs to build the document package for closing.

Extracts structured data from commercial lease documents (30+ fields), flags ambiguous provisions for legal review, cross-references amendments, and builds the critical dates calendar.

Runs a multi-track compliance audit across a commercial lease portfolio: CAM reconciliation, escalation verification, percentage rent audit, insurance certificate tracking, and environmental/regulatory checks. Produces a prioritized revenue recovery plan with probability-weighted estimates for each compliance gap — useful before disposition, refinancing, or after a property management transition. Covers single properties or full portfolios.

Analyzes commercial real estate leases for landlords or tenants, benchmarking every material clause — rent structure, escalations, expense pass-throughs, TI allowance, assignment rights, default provisions — against current market standards for the property type and market. Produces a clause-by-clause findings table, a redline priority matrix ranked from must-fix to nice-to-have, and negotiation strategy notes. Use it when you receive a draft lease, want to know what's off-market, or need to prioritize your redline before going back to the other side.

Covers SNDA agreements — the three-party subordination, non-disturbance, and attornment structures that protect tenants if a landlord's lender forecloses. Use when negotiating or drafting an SNDA.

Reviews commercial properties against ADA Title III (Public Accommodations) and applicable state accessibility codes, then produces a structured compliance gap report. Flags non-compliant conditions in parking, entrances, circulation, restrooms, and common areas; estimates remediation costs by element; and ranks items by litigation exposure. Useful during acquisition due diligence, renovation planning, or when a demand letter arrives.

Checks tenant and vendor certificates of insurance (ACORD 25/28) field-by-field against lease or contract requirements — comparing coverage limits, endorsements, and expiration dates. Flags deficiencies such as insufficient limits, missing additional insured endorsements, or expired policies, and drafts formal cure notices with lease-referenced deficiency tables. Reach for it at vendor onboarding, annual COI audits, or any time a COI hits your desk and needs a compliance sign-off.

Reviews residential property operations for Fair Housing Act exposure — covering marketing language, tenant screening criteria (income, credit, criminal history), reasonable accommodation procedures, and multifamily design requirements. Outputs a risk-tiered findings table with liability exposure estimates and a prioritized remediation plan. Use it when setting up a new screening policy, responding to a fair housing complaint, or conducting a pre-acquisition compliance audit.

Builds a prioritized compliance calendar for CRE entities and properties, covering state annual reports, BOI filings, rent stabilization registrations, property tax appeals, environmental permits, and local operating permits. For each obligation, the skill identifies the governing authority, deadline formula, recommended lead time, and consequence of missing the filing. Reach for it when acquiring a new property, forming an entity, or doing a year-end compliance review across a portfolio.

Analyzes a commercial property tax assessment to determine whether an appeal is worth filing. Given an assessment notice and property financials, the skill quantifies any overassessment using income-capitalization and sales-comparison methods, estimates annual and multi-year tax savings, calculates appeal ROI (including consultant fee scenarios), and produces a draft appeal brief ready for submission to the appeals board. Most useful at annual reassessment time or after an assessment increase of 5%+.