Commercial Loan / DSCR Calculator
Estimate commercial debt service, NOI, DSCR and balloon balance.
Loan & Property
Commercial financing is evaluated on the property's income. NOI excludes mortgage principal and interest; DSCR compares NOI with annual debt service.
This calculator is for informational and illustrative purposes only. Results are estimates and do not constitute a loan approval, commitment to lend or quote. Commercial underwriting, expense treatment and program requirements vary.
What the commercial calculator estimates
Estimate effective gross income, net operating income, annual debt service, DSCR, cap rate and the projected balance at a balloon date for an amortizing commercial loan.
Information used
Main inputs include purchase price, loan terms, gross income, vacancy, operating expenses, amortization and balloon term.
The model is for planning only. Actual lender underwriting and property cash-flow adjustments vary.