Commercial Real Estate Calculator
Estimate monthly payment, loan-to-value, and debt-service-coverage live — then bring the numbers to your local advisor.
What you'll need before you start
- Property value or appraised value — your purchase price or a recent estimate.
- Down payment % (purchase) or current loan balance + optional cash-out (refinance).
- Interest rate & amortization — start with 7.25% / 25 years if unsure.
- Net Operating Income (NOI) — annual rent minus operating expenses (exclude debt payments).
- Origination fee % — typically 1–2% and financed into the loan.
Not sure what your NOI is? Take gross annual rent and subtract taxes, insurance, property management, maintenance, and vacancy allowance.
Worked example
Small retail purchase
- Property value
- $750,000
- Down payment
- 25% ($187,500)
- Rate / term
- 7.25% / 25 yrs
- NOI (annual)
- $72,000
- Origination fee
- 1.00% financed
Estimated result
- Loan amount
- ~$568,125
- Monthly (P&I)
- ~$4,105
- LTV
- ~75.8%
- DSCR
- ~1.46x (Strong)
Commercial Real Estate Estimator
$750,000
$187,500
$5,625 (financed)
$72,000
Purchase Estimate
Loan amount
$568,125
Monthly payment (P&I)
$4,106
LTV
75.8%
Annual debt service
$49,277
Origination fee
$5,625
Down payment
$187,500
DSCRStrong
1.46x
Lenders typically look for 1.25x or higher.
For estimation only. Final terms depend on property, borrower, and underwriting.
Numbers look good?
Send us your scenario and a real underwriter in your area will respond within one business day with an indicative quote.
Talk to a CRE advisor in your area