Commercial mortgage calculators

Monthly payment, balloon at maturity, interest-only period and annual debt service on a commercial mortgage, priced from today's Treasury or SOFR reading.

Debt service coverage on your NOI and loan, the largest loan a lender's minimum DSCR allows, and how far income can fall before coverage breaks.

Debt yield on your loan, the maximum loan at a lender's debt yield floor, and how recent CMBS pools and lender averages compare, with sources.

Loan-to-value on the lower of price or appraisal, combined LTV with a second lien, and loan-to-cost on a construction budget, against federal LTV ceilings.

Build NOI from rent, vacancy, expenses and reserves, then get the cap rate on a price or the value at a cap rate, with a lender sensitivity table.

New loan on today's value capped by LTV and DSCR, payoff and closing costs, net cash to you and the equity left in the building after the refinance.

Balloon owed at maturity against the new loan today's rate, value and coverage rules allow: the cash gap to close and which test creates it.

Estimate a commercial mortgage prepayment premium: Fannie Mae and Freddie Mac yield maintenance, CMBS defeasance, step-down, SBA 504 and 7(a).

Weighted cost of a senior loan plus mezzanine or a second tranche: blended rate, combined debt service, combined LTV and coverage on the whole stack.

Payment, coverage and balloon with and without interest-only months, plus what Actual/360 interest costs in 28, 30 and 31 day months.

Published fees for HUD/FHA, Freddie Mac and SBA 504 loans computed on your loan amount, plus lines for the third-party and legal costs you are quoted.

Month-by-month and yearly amortization for a commercial loan: interest, principal, balance and balloon, with 30/360 or Actual/360 interest and CSV export.

See the largest commercial mortgage your property supports under each lender type’s LTV, DSCR and debt yield limits, at today’s index rates.