Getting the loan is a pre-close problem; carrying it is a five-year one. This workshop covers the operator's side of leverage: protecting DSCR through a soft quarter, what lenders expect in monthly and annual reporting, how covenant conversations actually unfold, when a waiver or amendment is realistic, and how to evaluate a refinancing. With Prime meaningfully below its 2023-24 peak, participants will work through the math on whether refinancing a variable-rate acquisition loan makes sense and leave with a lender-communication plan for the year ahead.