Loan decline with a path forward
Say no to a loan request clearly and kindly, with what would change the answer.
Last tested 2026-10-19 Its example inputs were run through Claude Haiku 5.5, and an AI judge (Jev) scored the reply 85/100 for following the rules and doing the task.
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Example output
I wrote this by hand on 2026-10-19 from the made-up inputs below, to show what a good result looks like. Your results will vary, so read every draft before you use it.
Example inputs
- Borrower and deal: Sam, Pine Row 6-unit refi, $640K
- Reasons: DSCR is 1.08x on current rents; our minimum is 1.25x. Rent roll still not received.
- What would change the answer (optional): Reapply after the 2 renovated units lease up, or ask for $540K
Subject: Pine Row refinance
Hi Sam,
We can't approve the $640K refinance on Pine Row as it stands.
At current rents, the property covers its debt payments 1.08 times, and our minimum is 1.25 times. We also still need the rent roll.
Two ways this could work:
- Come back after the two renovated units are leased, if the higher rents get coverage to 1.25x.
- Request a smaller loan, around $540K, which may work at today's rents, subject to underwriting.
I'd be glad to look at it again either way.
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