The Base Case Always Works. Your Job Is to Break It.

Every developer submits a perfect model. Every credit officer's job is to find where it fails — before the bank commits capital.

The Developer's Submission: 22% IRR. 1.3x DSCR. Looks Perfect.

Developers submit their best-case scenario — and it always looks clean. The numbers are internally consistent. The returns are attractive. The risk ratios appear conservative.

• 22% IRR — compelling on paper
• 1.3x DSCR — comfortably above the 1.2x covenant
• 70% LTC — within standard underwriting limits

The Reality: In 30 Years, No Project Has Gone Exactly to Plan

The Base Case assumes perfect execution. Reality doesn't cooperate. These are the three stressors that break deals — and they happen more often than developers admit:

• Hard costs +10% — material and labor overruns are routine, not exceptional; contingency buffers get consumed fast
• Rates +150 bps — a mid-construction rate hike reshapes debt service obligations and compresses margins
• Sales delayed 3 months — absorption slows, carrying costs accumulate, and cashflow timing breaks the model

One Click. Instant Downside Shock.

FeasiBuild doesn't require manual scenario modeling. With a single click, the platform shocks the developer's Base Case against a predefined downside scenario — and recalculates every metric instantly. Import base. Apply shock. No spreadsheet manipulation. No manual recalculation. The model breaks itself — in seconds, not hours.

The Result: DSCR Drops to 0.9x. The Loan Is Underwater.

Under the downside scenario, DSCR falls below the 1.2x covenant floor — triggering a technical default before construction even completes.

• Debt service obligations exceed available cashflow
• Equity cushion is insufficient to absorb cost overruns
• The deal requires restructuring — or should not be funded

A Base Case DSCR of 1.3x provides only 0.1x buffer above covenant. This is not a margin of safety — it's a margin of error.

Your Data Never Leaves Your Infrastructure

BYO-infrastructure — zero-knowledge security. FeasiBuild is built for institutions that cannot compromise on data sovereignty. Sensitive financial models and deal data reside exclusively in your private cloud — never on our servers.

• Zero-knowledge architecture — we process calculations without ever accessing your raw financial data
• Bank-grade compliance — designed to meet institutional security and regulatory requirements
• Private cloud deployment — deploy on your infrastructure; full data ownership, always

Break your own model before a credit officer breaks it for you — first scenario free on the Explorer tier. feasibuild.app