Solution Showcase

How We Help Clients Navigate Debt, Risk, and Growth

Our virtual case studies walk you through real-world challenges and how our team helped commercial real estate owners and operators solve them. From navigating interest rate risk to optimizing loan structures, each story highlights proven strategies and measurable outcomes.

Featured Case Studies

How a Multifamily Owner/Operator Optimized Debt for Long-Term Stability and Enhanced Investor Returns

In 2025, a proactive and adaptable debt strategy is essential to navigating fluctuating interest rates, refinancing opportunities, and changing market conditions. This case study highlights how Defease With Ease | Thirty Capital executed a debt optimization strategy for a mid-market multifamily owner/operator, unlocking $1M in cash-out proceeds, accelerating their promote, and positioning themselves for future growth.

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Profile

Individual: Mid-market owner/operator

Asset: 84-unit multifamily property

Background: 5 years of ownership with moderate NOI growth

Key Financials

Existing Loan: $5.85M

Current Interest Rate: 5.5%

Prepayment Penalty: $32,000

Remaining Loan Term: 5 years

Objectives

1) Transition from interest-only to amortizing payments.

2) Provide investors with accelerated distributions.

How a CRE Owner Proactively Managed an Expiring Rate Cap Prior to Maturity for Increased Savings

Proactive debt management means moving with market shifts and seizing opportunities. An expiring rate cap may seem like a looming risk, but it can also be a strategic advantage for cost savings. This case study highlights how Defease With Ease | Thirty Capital leveraged forward-rate market trends to proactively secure a cost-effective rate cap for an owner/operator, reducing exposure to market uncertainty and saving nearly $300,000.

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Profile

Individual: Mid-market owner/operator

Asset: 120-unit multifamily property

Background: 5 years of ownership with moderate NOI growth and a rate cap expiring February 15, 2025

Key Financials

Existing Loan: $48M

Current Interest Rate: Capped at 2.46%

Remaining Loan Term: 5 years

Objectives

1) Analyze the cost variance between spot-starting and forward-starting rate cap.

2) Determine the best timing for execution and navigate the process with expert guidance to ensure smooth implementation.

A CRE Owner’s Lesson on Trying to Time the Market with a Maturing Loan

Debt decisions are only as strong as the market assumptions behind them. In this case study, Defease With Ease | Thirty Capital explores how waiting for rate cuts backfired for one CRE owner/operator — resulting in a more expensive loan and an additional $118,000 in annual debt service payments.

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Profile

Individual: Mid-market owner/operator

Asset: 120-unit multifamily property

Background: The borrower anticipated potential rate cuts and chose to delay refinancing for a loan maturing in December 2024

Key Financials

Existing Loan: $11.5M

Current Interest Rate: 5.5%

Remaining Loan Term: <1 year

Objectives

1) Mitigate market volatility.

2) Explore fixed vs. floating rate.

3) Align debt strategy with property goals.

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