Exit Fee Modeling · Structural Underwriting Calculator · azcarcrashhelp.com

5-4-3-2-1, 3-2-1 Step-Down & Yield-Maintenance Prepayment Penalty Analyzer

Calculate exact exit payoff fees across 5-4-3-2-1 step-down, 3-2-1 step-down, flat 3-year, and 6-month interest structures based on payoff month (zero interest rate quotes).

Direct Answer · Prepayment Penalty Analyzer Underwriting Rule

A 5-4-3-2-1 step-down prepayment penalty charges 5% of the remaining loan balance in Year 1, 4% in Year 2, 3% in Year 3, 2% in Year 4, and 1% in Year 5 (0% after Month 60), whereas a 3-2-1 step-down eliminates prepayment fees completely after Month 36.

1. Prepayment Penalty Step-Down Analyzer

Remaining DSCR Loan Balance ($)

Planned Sale or Refinance Month (Month 18 · Year 2)

5-4-3-2-1 Step-Down

$18,000

4% Fee in Year 2

3-2-1 Step-Down

$9,000

2% Fee in Year 2

3-Year Flat (3-3-3)

$13,500

3% Fee in Year 2

Want Loan Daddy LLC (NMLS #2827624) to Run Your Exact Deal Across 50+ Wholesale Shelves?

Compliance Note: Educational structural underwriting models only; zero interest rates, APRs, or points are quoted. Loan Daddy LLC (NMLS #2827624 · AZ CMB #CMB-2016143 · (480) 485-1229) is a mortgage broker, not a lender.

Price This Structure (quotes@loandaddy.ai) →