medium · Asset-Backed Securities

An investor is analyzing a 'Single-Asset Single-Borrower' (SASB) CMBS deal vs. a standard 'Conduit' CMBS.

What is the PRIMARY credit risk trade-off the investor makes when choosing the SASB deal?

  1. Prepayment risk vs. Extension risk; SASB loans carry no meaningful call protection.
  2. Interest rate risk vs. Credit risk; SASB deals are structured as floating-rate obligations by design.
  3. Concentration risk vs. Diversification; SASB lacks the 'granular' pool benefit of a conduit.
  4. Lower LTV vs. Higher DSCR; conduit loans are always underwritten more conservatively than SASB loans.

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