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When a $5 million paydown stands between your property and loan extension, every decision can make or break your deal. Join this 20-minute live case study to see how one firm navigated this scenario and learn the frameworks experienced operators use.

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Case Studies

Virtual Case Studies: Real Solutions, Real Results.

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.

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Featured Case Studies

When Choosing a Higher-Rate Loan Can Lower the Cost of Capital and Trigger the Promote

Refinancing into a higher interest rate may sound counterintuitive—but in the right scenario, it can unlock significant value. This virtual case study, breaks down how a mid-market CRE firm chose a 6.75% bridge loan to replace a costly 13% preferred equity obligation—a move that simplified their capital stack, returned cash to investors, and triggered the promote.

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Profile

Individual: Mid-market owner/operator

Asset: 228-unit multifamily property (class B)

Background: Refinance at a higher rate to eliminate costly pref equity, return cash to investors, and trigger the promote.

Key Financials

Existing Loan: $31.5M (65% LTV on $48.5M)

Current Interest Rate: 6.75% Interest Only

Remaining Loan Term: 3 Years, Flexible Prepay

Objectives

1) Assess refinancing feasibility and identify potential upside.

2) Modeled forward SOFR and U.S. Tresury yield curve scenarios to evaluate interest rate trends and volatility.

3) Stress-tested multiple refinancing capital stack scenarios-including structures with and without cash-out and varying loan-to-cost (LTC) ratios.

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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 virtual 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.

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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.

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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.

See What Happened →

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  • Tampa, FL
  • Oct 2021

IApartments is an enterprise-level smart apartments platform that turns ordinary apartments into intelligent apartments.

IApartment’s technology automates asset protection, access control, and operational efficiencies for multifamily property owners, managers, and their residents.

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  • Charlotte, NC
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Rent Ready introduces a modern solution to an age-old apartment industry problem.

After a deep dive in the industry, Rent Ready discovered that the make ready process was disjointed, frustrating, and time-consuming. Onsite staff members were scheduling six different services with six different vendors – creating scheduling nightmares along with unexpected challenges and headaches. As a full-service partner for onsite apartment staff, Rent Ready handles the frustration between the move-out and move-in, as a single-source for all turn services: paint, clean, carpet, wall repair, punch, and counter/tub resurfacing.

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