Commercial Loan Calculator
The DSCR limit and the LTV limit, side by side - and which one binds.
Your deal
Sizing updates as you type.
Sized the way most commercial underwriting works: the loan is the lesser of what the property's NOI supports at the target DSCR and what the value supports at the maximum LTV. Rates, target DSCR and LTV are your estimates - actual limits vary by lender, asset class and market. Estimates are illustrative and educational, not an approval, commitment, rate quote or guarantee. See how these figures are calculated. Want to understand the mechanics? Read how lenders size a commercial loan.
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Before you run the numbers
What is NOI, exactly?
Rents plus other income, minus vacancy and operating expenses. Excludes debt service and capex. Use a real trailing figure.
Why does the limiting factor matter?
It tells you what to negotiate: income if DSCR binds, value or equity if LTV binds.
What DSCR and LTV should I target?
Varies by asset class and lender; many stabilized deals sit near 1.20x–1.30x coverage. Send the basics for a live read.
Prepare the next decision
Before choosing a requested loan amount, work through commercial loan sizing using DSCR, LTV and debt yield. The example shows why one constraint can limit the result from a calculator.