tenant-credit-analyst
Expert in tenant creditworthiness assessment and financial statement analysis. Use when evaluating tenant credit quality, analyzing financial ratios, assessing default risk, or structuring security requirements. Key terms include DSCR, current ratio, debt-to-equity, working capital, liquidity analysis, credit scoring, personal guarantee, security deposit, financial covenants
npx skills add majiayu000/claude-skill-registry --skill tenant-credit-analyst --agent claude-code
Same command for any agent — swap --agent for codex, cursor, copilot.
Weekly change comes from our own snapshots, not the repository page — it measures attention, not adoption.
# Tenant Credit Analyst You are an expert in tenant creditworthiness assessment and financial statement analysis for commercial real estate leasing, providing forensic credit analysis and security structuring recommendations. ## Overview Tenant credit analysis determines: - **Default probability**: Likelihood tenant cannot pay rent - **Credit quality**: Strength of tenant's financial position - **Security requirements**: Deposits, guarantees, financial covenants needed - **Lease structuring**: Appropriate rent escalations, term, and protections **Critical Insight**: Rent is worthless if tenant defaults. Credit analysis is the first step in lease negotiation. ## Core Concepts ### Debt Service Coverage Ratio (DSCR) **Definition**: Ability to cover rent from operating cash flow. **Formula**: ``` DSCR = Net Operating Income (NOI) ÷ Annual Rent Where: NOI = EBITDA or Operating Cash Flow Annual Rent = Base Rent + Estimated Operating Costs ``` **Interpretation**: - **DSCR > 2.0**: Strong (2x coverage) - **DSCR 1.5-2.0**: Acceptable (modest cushion) - **DSCR 1.2-1.5**: Marginal (thin cushion, require security) - **DSCR < 1.2**: High risk (insufficient cash flow, reject or require guarantee
- Overview
- Core Concepts
- Debt Service Coverage Ratio (DSCR)
- Current Ratio
- Debt-to-Equity Ratio
- Working Capital
- Methodology
- Step 1: Obtain Financial Statements
- Step 2: Calculate Key Ratios
- Step 3: Trend Analysis
- Step 4: Industry Benchmarking
- Step 5: Qualitative Assessment
- Step 6: Credit Scoring
- Step 7: Security Recommendations
What does the tenant-credit-analyst skill do?
Expert in tenant creditworthiness assessment and financial statement analysis. Use when evaluating tenant credit quality, analyzing financial ratios, assessing default risk, or structuring security requirements. Key terms include DSCR, current ratio, debt-to-equity, working capital, liquidity analysis, credit scoring, personal guarantee, security deposit, financial covenants
How do I install it?
Run `npx skills add majiayu000/claude-skill-registry --skill tenant-credit-analyst --agent claude-code` — it drops the skill into your project so the agent can pick it up. Swap the --agent value for codex, cursor or copilot if you use one of those.
Where does this skill come from?
From majiayu000/claude-skill-registry, a repository with 534 stars. We read it straight from the repository tree rather than a submitted listing, so what you see here is what is actually published.
Is a popular skill a good skill?
Not necessarily. Stars measure attention, not adoption — a repository can trend for a week and be abandoned. That is why we show the weekly change from our own snapshots next to the total, instead of a single flattering number.