From 71e2d2c630b06e913ce4e63b84c93af092affdee Mon Sep 17 00:00:00 2001
From: Vito <5780819+Tapanito@users.noreply.github.com>
Date: Fri, 14 Aug 2026 12:22:51 +0200
Subject: [PATCH] test: Fix LoanCoverFreezeAuth default-after-impair for
 impair-must-be-late

testLoanDefaultBypassesMptLockAfterImpair impaired the loan before its
first payment came due, which trips the featureLendingProtocolV1_1
impairLoan guard (tecTOO_SOON) added by tapanito/lending-impairment.
Advance past sfNextPaymentDueDate before impairing, matching the pattern
used in the Loan_test.cpp fixes.
---
 src/test/app/lending/LoanCoverFreezeAuth_test.cpp | 12 ++++++++++--
 1 file changed, 10 insertions(+), 2 deletions(-)

diff --git a/src/test/app/lending/LoanCoverFreezeAuth_test.cpp b/src/test/app/lending/LoanCoverFreezeAuth_test.cpp
index b0c43190c5..0ca3185ff0 100644
--- a/src/test/app/lending/LoanCoverFreezeAuth_test.cpp
+++ b/src/test/app/lending/LoanCoverFreezeAuth_test.cpp
@@ -460,6 +460,16 @@ private:
 
         auto const loanKeylet = keylet::loan(brokerInfo.brokerID, SeqProxy::rawSequence(1));
 
+        using tp = NetClock::time_point;
+        using d = NetClock::duration;
+
+        // Under featureLendingProtocolV1_1, a loan can only be impaired once
+        // its payment is late.
+        if (auto loan = env.le(loanKeylet); BEAST_EXPECT(loan))
+        {
+            env.close(tp{d{loan->at(sfNextPaymentDueDate) + 1}});
+        }
+
         // Realize a loss via impairment before locking.
         env(manage(lender, loanKeylet.key, tfLoanImpair));
         env.close();
@@ -472,8 +482,6 @@ private:
         env(pay(borrower, loanKeylet.key, debtMaximumRequest), Ter(tecLOCKED));
         env.close();
 
-        using tp = NetClock::time_point;
-        using d = NetClock::duration;
         if (auto loan = env.le(loanKeylet); BEAST_EXPECT(loan))
         {
             env.close(tp{d{loan->at(sfNextPaymentDueDate) + loan->at(sfGracePeriod) + 1}});