medium · Asset-Backed Securities

A CMBS pooling and servicing agreement states that an Appraisal Reduction Amount reduces the interest portion of required P&I advances and that resulting interest shortfalls are allocated to outstanding certificate classes in reverse priority. It separately uses notional ARA allocations to determine the controlling class.

Before liquidation, what is the direct cash-flow effect?

  1. The special servicer must reimburse the appraisal reduction from its servicing compensation.
  2. The most subordinate certificate receives an immediate permanent principal write-down equal to the ARA.
  3. The distressed mortgage loan is automatically defeased with government securities.
  4. Required interest advances decline, so subordinate classes absorb the resulting interest shortfall first.

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