After the Fed Hold, Measure the Commercial Refinance Gap

After the October 28 Fed hold at 3.75%–4.00%, Fast Commercial Capital focuses on the commercial refinance gap: realistic net proceeds compared with payoff, closing costs and required reserves. Owners should update property income and expenses, confirm maturity and extension conditions, and evaluate debt-service and value constraints using actual financing terms. A gap may require an earlier paydown, additional equity, a revised structure, an extension or a sale, each subject to its own conditions. The December 8–9 Fed meeting is a planning marker, not a substitute for the loan deadline. A 2027 exit should be tested without assuming cheaper refinancing, automatic value gains or lender approval.