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CRE Calculator

Will this property actually qualify?

DSCR is the first number every commercial real estate lender pulls. Plug in gross income, operating expenses, and the proposed annual debt service to see if the deal pencils.

Estimates only not a loan offer or commitment to lend

$180,000
$24K$2M
$60,000
$0$1M

Taxes, insurance, maintenance, management exclude debt service.

$72,000
$0$1.5M

Total annual principal + interest payments on the proposed loan.

Debt service coverage ratio

1.67x

Strong

Most CRE lenders will look at this favorably. Pricing should be near best-in-market for your asset class.

Net operating income

$120,000

$10,000/mo

Monthly debt service

$6,000

From annual

DSCR floor by lender type: Conventional CRE 1.25x · SBA 504 1.15x · Bridge / hard money 1.00x · Agency multifamily 1.20–1.25x

Want the real numbers?

The calculator gives you a ballpark. A five-minute application gives you actual lender offers from your dedicated underwriter soft pull only, no impact on your score.

See What You Qualify For