Commercial Real Estate Finance Calculators
Free tools to model loan structures, funding eligibility, and investment returns across multifamily, industrial, office, retail, residential, and owner-occupied CRE assets.
Use the search and filters to find the right tool. Each calculator includes a clear purpose statement so you can pressure-test financing assumptions, validate lender thresholds, and translate analysis into action.
Amortization Calculator
Monthly payment, principal/interest split, full schedule export (CSV).
DSCR Calculator
Compute DSCR and back-solve a supportable loan at a target DSCR.
Debt Yield Calculator
NOI ÷ Loan Amount. Test lender thresholds and solve for max proceeds at a target DY.
Cap Rate Calculator
Value from NOI and market cap rate, or compute implied cap rate.
IRR Calculator
IRR for periodic cash flows with robust solver and fallback.
Cash-on-Cash Return
Annual cash flow ÷ equity invested. Derive from NOI, debt service, and costs.
Refinance Analysis
Payment delta, interest savings, breakeven horizon, and cash-out.
SBA 504 Loan
50/40/10 splits, borrower equity, and approximate blended APR.
NOI Calculator
EGI and stabilized NOI from income, vacancy, and operating expenses.
LTV & Proceeds
Max proceeds and required equity given value, LTV cap, and costs.
After Repaired Value (ARV)
Post-renovation value from cost inputs and market uplift assumptions.
Average Daily Rate (ADR)
ADR, occupied nights, revenue, and RevPAR benchmarking.
Balloon Payment
Projected payoff at maturity for partially amortizing loans.
Yield Maintenance Penalty
Approximate make-whole prepay penalty vs. reinvestment (Treasury) rate.
Frequently Asked Questions
How do DSCR and Debt Yield differ
DSCR measures the cushion of NOI vs. annual debt service and is sensitive to rate and amortization. Debt Yield is NOI ÷ Loan Amount and is rate-agnostic; it anchors proceeds to property cash flow irrespective of coupon. Lenders often underwrite to both.
What’s a typical target Debt Yield
Targets vary by product, market, leverage, and business plan. Stabilized core deals can underwrite to lower thresholds than transitional assets. Always confirm the target with your lender and program guide.
What is Yield Maintenance
Yield maintenance approximates the present value of the lender’s foregone interest when you prepay, discounted at a reinvestment rate (often a Treasury curve proxy). If the note rate is at or below the reinvestment rate, the penalty is typically minimal or zero.
How is Cash-on-Cash Return computed
CoC equals annual pre-tax cash flow divided by total equity invested. Annual cash flow is typically NOI minus annual debt service (and any ongoing reserves); equity invested is purchase price plus costs minus loan proceeds.
When should I use Balloon vs. Refinance analysis
Use Balloon to measure the maturity payoff under an existing amortization. Use Refinance to compare old vs. new terms, quantify savings, and determine breakeven horizon after closing costs.
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