New York, NY, November 12, 2026

YieldStack, Inc., an AI-native commercial mortgage brokerage, announces the availability of guides and a free calculator for owners weighing options before a 2027 commercial real estate loan maturity. The Mortgage Bankers Association's 2025 Commercial Real Estate Survey of Loan Maturity Volumes reports that $652 billion of commercial and multifamily mortgages is scheduled to mature in 2027.

A refinance gap is the difference between the balance due and the new loan a property can support. That new loan is constrained by both the property's income and the lender's loan-to-value limit.

In a hypothetical example, YieldStack holds net operating income at $750,000, debt-service coverage at 1.25x, amortization at 30 years and the lender spread at 2.50%. The U.S. Treasury five-year yield was 1.37% on January 3, 2022, and 4.59% on November 5, 2026. At the resulting 3.87% and 7.09% coupons, the income-supported loan falls from $10,639,404 to $7,447,593, a 30.0% reduction. This rate comparison holds the other assumptions constant and does not include a loan-to-value cap.

In a separate hypothetical, with a 65% loan-to-value cap and a $10 million balance due, the refinance gap ranges from $2.5 million to $3.9 million across 16 assumed combinations of refinance rates from 7.00% to 7.75% and capitalization rates from 6.5% to 8.0%.

"On this example the appraisal moves the gap more than the coupon does," said Rommin Adl, Co-Founder and CTO of YieldStack. "In 13 of the 16 rate and cap-rate pairs we ran, the loan-to-value cap set the loan, so an owner's first job is to defend value with a current rent roll and trailing 12 months before negotiating rate."

Owners can enter their own assumptions in the Maturity Wall Refinance Gap Calculator and read the guide to extending or refinancing a maturing commercial loan. They can compare written extension terms from their current lender with competing financing terms through one commercial real estate deal submission.

About YieldStack

YieldStack is an AI-native commercial mortgage brokerage for U.S. commercial real estate investors. Borrowers submit one deal request, and YieldStack's team coordinates lender matching and financing through closing. YieldStack arranges commercial real estate financing nationwide. There is no upfront cost to submit or review offers; a 0.50-1.00% broker fee is paid at closing. YieldStack was founded in 2025 and is a Delaware corporation headquartered in New York, NY.

Forward-Looking Statements and AI Tool Disclaimer. The examples and calculator outputs use hypothetical inputs, not loan quotes, forecasts or guarantees. Actual rates, values and terms may differ. Every credit decision is made by the lender. YieldStack's AI tools are not a financial advisor. This release is not financial, investment, tax or legal advice.

Source: Pinion Newswire

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William Fannon

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