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Run the numbers in seconds
Our commercial real estate estimator computes payment, LTV, and DSCR live. The interactive version requires JavaScript — visit the full site to use it.
What the calculator estimates
- Monthly payment based on loan amount, rate, and amortization term.
- Loan-to-Value (LTV) from purchase price and down payment.
- Debt Service Coverage Ratio (DSCR) from net operating income vs. annual debt service.
Most commercial lenders look for a DSCR of at least 1.20–1.25 and LTV at or below 75–80%. Numbers outside that band aren't disqualifying — they just need the right program.