As a Debt / Portfolio Manager you own the debt book: what’s outstanding, what it costs, when it matures, whether it’s in compliance, and where refinancing or prepayment makes sense.
Signing in
Sign in to LoanIQ
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.
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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.
Portfolio dashboard
The whole book at a glance.
The Portfolio dashboard is your first screen and your daily read on the entire debt book. The six tiles across the top turn a stack of loan documents into six numbers you can act on:
Why it matters: Debt is usually the single largest claim on a property’s cash flow and the biggest driver of equity risk. These six numbers tell you, in seconds, how leveraged you are, what that leverage costs, when it comes due, and whether anything is out of compliance — the questions that decide whether the portfolio is safe or exposed.
The LoanIQ Portfolio dashboard — KPI tiles, fixed vs. floating, maturity ladder, debt allocation, refinance screen, and debt by lender.
Total debt — funded balance across all facilities. The size of the obligation you’re managing; the base for every ratio below.
Portfolio LTV — debt against value. Your cushion. High LTV means less room if values fall and harder refinancing.
Wtd avg rate — balance-weighted all-in rate. What the debt costs; small moves here swing NOI and DSCR across the book.
Wtd avg maturity — years to initial maturity. How much runway before you must refinance; short tenor concentrates risk.
Maturities ≤24 mo — debt due within two years. Your near-term refinancing workload — the thing most likely to cause a fire drill.
Covenant alerts — breaches and watch items. Where a lender could act; the earliest signal of trouble.
Drill in from the charts
Why it matters: A portfolio number is only useful if you can get to the loans behind it. The clickable charts turn “we have $36M floating” or “$41M matures in 2034” into the exact working list you need to do something about it — without hunting through every file.
Interactive
Two clickable charts open filtered loan lists
These are the fastest way to answer “what’s fixed?” or “what matures in 2034?” and go straight to the facilities that need work.
Click a Fixed/Floating segment→→ loans in that rate category→or click a ladder year→→ loans maturing that year
Clicking “Fixed” opens every fixed-rate loan; clicking a maturity-ladder bar opens that year’s maturities.
Refinance screen
Spot refi candidates.
The Refinance screen (main column of the dashboard) compares each loan’s effective rate to today’s market rate for its type, shows the rate delta, and estimates annual savings.
Why it matters: Interest is often the largest single expense against a property. A loan sitting above market is quietly costing the portfolio money every month. This screen surfaces those dollars automatically, so you find refinance opportunities — and the savings they’d unlock — without re-underwriting the whole book by hand.
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A negative rate delta with meaningful estimated savings flags a facility worth modeling for refinance — that estimate is annual, so multiply across the remaining term to see the real prize.
Maturities & rate mix
Runway and exposure.
Use the Maturity ladder to see your refinancing runway by year, and the Fixed vs. floating split to gauge rate exposure. Both are clickable to open the underlying loans.
Why it matters: Every loan must be refinanced or paid off at maturity — there is no ‘do nothing’ option. Clustered maturities or a heavy floating-rate share are the two ways a debt book quietly builds risk: the first can force a refinance into a bad market, the second exposes NOI to rate spikes. Seeing both early is what turns a future crisis into a plan.
Clicking a ladder year lists the loans maturing then — your working list for that refinancing cycle.
Property debt
Debt in asset context.
Open a property to see its debt in context: value, debt, LTV, NOI, DSCR, and debt yield, a capital-stack bar, a 10-year projected debt-balance curve, debt composition, and the property’s facilities.
Why it matters: Portfolio averages hide the weak links. A single property with thin DSCR or high LTV is where a covenant breach or a failed refinance actually happens. Viewing debt against that property’s own value and cash flow tells you whether the asset can carry — and refinance — its loans on its own merits.
A property’s debt dashboard — leverage, coverage, and projected balance in one view.
The loan file
System of record.
The loan file is the system of record for each facility — rate & terms, maturity & extensions, covenants, prepayment, construction carry (if applicable), reserves, recourse, insurance, approvals, draws, reporting, and documents.
Why it matters: Loan terms live in hundred-page documents no one rereads until something goes wrong. Consolidating every material term into one file means answers to ‘can we prepay?’, ‘who’s on the guaranty?’, ‘when’s the next covenant test?’ take seconds — not a scramble through the closing binder while a deadline or a lender is waiting.
A full loan file (HUD 221(d)(4) construction loan) — every section a manager needs.
Covenants & deadlines
Stay in compliance.
The Covenants section shows each test with its requirement, current value, frequency, next test date, and a live status — compliant, watch, or breach. The dashboard’s Compliance & deadlines tickler rolls the next 90 days up across the portfolio.
Why it matters: A covenant breach can trigger a default even when payments are current — exposing the borrower to cash sweeps, default interest, blocked distributions, or acceleration. Catching a covenant drifting toward its limit while it’s still a ‘watch’ gives you time to cure it or talk to the lender on your terms, instead of after a formal breach when you have far less leverage.
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Watch/caution shows in slate; a breach shows in red. Work the tickler so covenant tests, insurance renewals, and maturities never sneak up — a missed insurance renewal or late financial statement is itself a technical default on many loans.
✉ 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.
Prepayment analysis
Model the cost to exit.
Every loan file includes an interactive prepayment estimator. Pick a prepay date (and a reinvestment rate for yield-maintenance or defeasance) and LoanIQ estimates the penalty by the loan’s method — open, yield maintenance, defeasance, spread maintenance, or FHA/HUD declining premium.
Why it matters: The headline benefit of a refinance or sale can be erased by a prepayment penalty you didn’t price in — yield maintenance and defeasance can run into the millions. Estimating the cost to exit before you commit is the difference between a deal that pencils and one that doesn’t; it also tells you when a lockout means ‘not yet.’
The prepayment estimator on a HUD loan — lockout plus declining premium, with the estimated penalty.
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Estimates are indicative. Actual penalties depend on live Treasury/reinvestment rates and the loan documents — confirm against the note before acting, because being off here can flip a go/no-go decision.
Edge cases
Things to watch
Can’t edit a loan — you have View access on that property; ask an admin for Edit.
Floating all-in looks off — it’s index + spread with any floor applied; check the rate & terms section.
Construction loans — watch the interest-carry section; remaining carry vs. remaining budget drives the funding ask.
PLATMETRIX · Debt / Portfolio Manager User Handbook · This handbook reflects the demo dataset; your live screens show your own information.
