Platmetrix — Executive / Viewer User Handbook

Welcome

Executive / Viewer

As an Executive you use LoanIQ to read the debt book at a glance — leverage, cost, maturities, and compliance — without editing anything.

Signing in

On screen

Open LoanIQ (from the Platmetrix products page, the AssetIQ debt card, or your LoanIQ link).
Enter your Platmetrix email and password.
You land on the Portfolio dashboard.

What it does

One Platmetrix login carries across PropIQ, AssetIQ, and LoanIQ — you don’t keep separate accounts.

Needs your input

You need LoanIQ access on your account. If you reach a “not authorized” screen, ask your administrator to grant you LoanIQ access.

ⓘ

Access levels. For each property you’re granted None, View, or Edit on LoanIQ. View lets you read dashboards and loan files; Edit lets you change loan data. Missing a button or blocked from a page? That’s your access level — ask your administrator.

Reading the dashboard

Six tiles, one glance.

The Portfolio dashboard answers the executive questions in six tiles: how much debt, at what leverage and rate, maturing when, and whether anything is out of compliance.

Why it matters: Debt is where real-estate portfolios are won or lost. More deals fail from a mistimed maturity or a covenant breach than from operations. These six numbers are the board-level read on that risk — enough to know whether to relax or to ask questions, without waiting for a quarterly report.

The LoanIQ Portfolio dashboard — KPI tiles, fixed vs. floating, maturity ladder, debt allocation, refinance screen, and debt by lender.

Total debt & Portfolio LTV — size and leverage. How much is owed and how thin the equity cushion is.
Wtd avg rate & Wtd avg maturity — cost and tenor. What the debt costs and how long it’s locked in.
Maturities ≤24 mo — near-term refinancing exposure. The most actionable risk on the page.
Covenant alerts — breaches and watch items. Where a lender could act now.

Drilling in

Detail on demand.

Two charts are clickable if you want the detail behind a number: the Fixed vs. floating split (rate exposure) and each Maturity ladder year (what’s coming due).

Why it matters: A single number can hide a concentrated risk. Being able to open the loans behind ‘$36M floating’ or ‘$41M due in 2034’ lets you test a concern yourself in one click — so you can pressure-test the team’s plan rather than take the summary on faith.

Click Fixed or Floating to see exactly which loans make up that exposure.

What to watch

Your watchlist.

Three things reward a regular glance. For each, here’s why it matters, the risk if it’s ignored, and a rule-of-thumb level at which to start asking questions:

Why it matters: These are the three ways a debt book most often gets a portfolio into trouble. Watching them turns debt risk from something you discover in a crisis into something you manage on a schedule.

Watch #1 — Covenant alerts

Breaches and watch items

Why it matters: a covenant breach can put a loan into default even while payments are current — triggering cash sweeps, blocked distributions, default interest, or acceleration. Risk if ignored: the lender, not you, controls the next move. Rule of thumb: any breach → address immediately; a DSCR covenant within ~0.10x of its floor, or two or more watch items on one loan → ask the Portfolio Manager for a cure plan now.

Watch #2 — Maturities ≤24 months

Debt coming due soon

Why it matters: every loan must be refinanced or repaid at maturity — there is no default option, and refinancing takes 6–12 months to arrange well. Risk if ignored: a maturity that arrives in a tight credit market can force a sale or a punitive extension. Rule of thumb: start a refinance plan 12–18 months before each maturity; if more than ~20–25% of total debt matures inside 24 months, treat it as concentration risk and ask for a staggering plan.

Watch #3 — Floating-rate share

Exposure to rising rates

Why it matters: floating-rate debt passes interest-rate increases straight through to NOI and DSCR; enough of it can erode coverage into a covenant breach. Risk if ignored: a rate spike quietly turns a healthy loan into a stressed one. Rule of thumb: if floating debt exceeds ~25–30% of the book — or any large floating loan is uncapped — ask whether it’s hedged (rate cap/swap).

ⓘ

These thresholds are general guidance to prompt a conversation, not hard limits — your own policy, strategy, and market conditions set the real lines. When a number crosses one, the right next step is a question to your Portfolio Manager, not an alarm.

✉ Alerts you’ll receive

LoanIQ watches your loans and values for you and emails you when a line is crossed — you don’t have to be logged in to catch these:

Covenant breach — a test like DSCR or debt yield fails
LTV / value threshold — a tracked value passes its level
Maturity or rate reset approaching — from the maturity ladder
Reserve / escrow event — a draw or an escrow date
Portfolio & values digest — a periodic summary

These are notifications, not actions — an alert flags something to review; it never changes the loan.

Notes

Your access is read-only — nothing you click changes data.
Figures reflect the current book; ask your team when a number needs context.
One Platmetrix login also gets you PropIQ/AssetIQ if you’re entitled.

What's inside

Welcome

Signing in

Reading the dashboard

Drilling in

What to watch

Notes

Notes