Plan with clarity
Estimate a commercial loan payment, balloon balance and debt-service coverage. Model amortization and maturity separately for a clearer financing comparison.
Starting values are examples, not current rates or lending terms.
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Understand the numbers
Change an assumption above to see what moves the result. Save a scenario to compare it with your next calculation.
Put the estimate to work
Amortization determines how the scheduled payment pays down principal. Maturity determines when the outstanding debt becomes due. A loan amortized over 25 years but due in five years usually leaves a balloon balance after its scheduled maturity payment. That balloon requires a separate repayment or financing plan.
Enter annual NOI after operating expenses but before debt service. The tool divides NOI by recurring annual loan payments for DSCR, and by the loan balance for debt yield. The modeled loan payment excludes property operating costs because those should already be reflected in NOI. It also excludes the final balloon from recurring debt-service coverage.
This method is relevant to commercial assets and apartment properties with five or more units. A lender may use different expense adjustments, reserve deductions or debt-service assumptions. Compare the calculation with the actual rent roll and operating statement, and discuss maturity, prepayment and refinance risk with your financing team.
Commercial DSCR = annual NOI ÷ annual scheduled debt service. Debt yield = annual NOI ÷ loan amount. Balloon = principal remaining after scheduled payments through maturity.
A simple example. A property with $150,000 in annual NOI and $120,000 in annual scheduled debt service has a modeled DSCR of 1.25x.
Calculation model reviewed September 8, 2026. Examples are hypothetical.
Common questions
Use the estimate to prepare your questions, then review the property, documentation and financing terms with a mortgage broker.
Multifamily financing · Commercial property refinancing
Schedule a consultationChoose principal and interest for amortizing payments or interest only for payments that do not reduce principal. If maturity arrives before amortization ends, remaining principal is shown as a balloon.
Yes, for a five-or-more-unit property you can enter annual NOI and the proposed debt terms. For residential rental scenarios using rent divided by housing payment, use the DSCR loan calculator.
The displayed balloon is remaining principal after the scheduled maturity payment. That regular payment and the balloon are separate amounts due under this model.
No. Coverage ratios, valuation, property condition, tenant information, ownership and lender terms require separate review. The target DSCR is your assumption.
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