Income Canvas
Edge 2026
Mortgage & Securitization Pure Edge Computation

Commercial Mortgage Warehouse Line Haircut & Advance Rate Modeler

Calculate warehouse credit line liquidity, collateral haircuts, and capital carrying costs during loan gestation prior to agency takeout.

Formula: Borrowing Base = Min(Collateral Balance × Advance Rate, Facility Limit); Haircut Equity = Collateral - Advance

Model Parameters

$

Total principal balance of closed commercial loans pledged to the warehouse line.

%

Approved advance percentage (typically 95% to 99% depending on asset tier).

%

Annual borrowing spread over SOFR charged by warehouse provider.

days

Days elapsed between loan funding and secondary market sale/takeout.

Outputs & Underwriting Summary

Calculation Status
APPROVED
Verified Model
Borrowing Base Facility Advance
$8330000.00
Advance Rate: 98.0%
Required Haircut Equity Buffer
$170000.00
Gestation Carry (18d): $27072.50
Borrowing base advance structured at 98.0% advance rate with $170,000.00 equity buffer.

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