Strategic Refinance Preserves C-PACE and Extends Stabilization Timeline

A Benchmarking
Buildings Case Study

55-Unit Multi-Family

For a 55-unit multi-family asset in downtown Baltimore, the Energy Advisors at Benchmarking Buildings secured a $4.8MM rate-and-term refinance while preserving existing C-PACE financing. This solution allowed the borrower to cash out, extend senior debt maturity, and gain time to stabilize the property ahead of agency refinancing.

Opportunity

After successfully recapping the sponsor by leveraging retroactive C-PACE for this 55-unit multi-family project in downtown Baltimore, Our Energy Advisors were up for the next challenge of identifying a senior lender that would allow bridge to HUD financing allowing the borrower to the keep the C-PACE financing in place.

Solution

Leveraging our local banking relationships, we identified a lender that would provide a $4.8MM rate and term refinance and allow the C-PACE financing to remain in place effectively cashing the borrower out of the property and thereby extending the maturity of the senior debt providing the borrower more time to allow the property to stabilize and commence the agency refinancing option.

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