Turn three quotes into a client debt-options memo
Rung 2 of 10 · Enhance the Output
1 · Learn the move · Enhance the Output
Your client doesn't read term sheets. They read you. The move is to take a rough compare of the live quotes you actually have in hand and enhance it into a memo the borrower can decide from: the options side by side, the tradeoffs in plain English, and a recommendation framed as their call, not your order. Feed the AI the pasted quotes and your client's stated priority; have it structure, not decide. Every rate and fee is quoted from a real term sheet, never invented. The all-in cost is set up for a calculator, never totaled in the chat. And the recommendation names the tradeoff the borrower is buying, never promises an outcome. Structure and clarity are the enhancement. The instant it conjures a fee you weren't quoted, the memo is a liability.
Compare these three loan quotes and tell my client which one to take. [quote 1] [quote 2] [quote 3]
2 · Your turn. You write the prompt
You have three live quotes on your borrower's $8.0M refinance: a bank at 6.40% fixed, 5-yr, 60% LTV, full recourse, step-down prepay; a debt fund at 7.85% floating, 3-yr, 70% LTV, non-recourse, 1% exit; an agency at 6.10% fixed, 10-yr, 65% LTV, non-recourse, yield-maintenance. The client said lowest recourse matters most, then rate. The debt fund's origination fee never came through. Write the prompt that builds the client memo.
Remember: the AI sees only your prompt, not this page. If the situation isn't in your prompt, it doesn't exist.
Optional. These shape the output when you run your prompt below, not your score.