Commercial Loan Calculator
Compute monthly payment, DSCR, LTV and debt yield in seconds. Free, no signup.
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Calculator FAQ
What DSCR do lenders want?
Most CRE lenders want a Debt Service Coverage Ratio of 1.20x–1.35x. SBA 504 typically requires 1.15x+; CMBS conduit lenders often look for 1.25x; bridge lenders may stretch lower with a clear stabilization plan.
How accurate is this calculator?
It uses the standard mortgage payment formula and produces lender-grade DSCR, LTV and debt yield — but actual loan terms depend on asset class, borrower experience, market and lender. Use this to gut-check before talking to a capital advisor.
Can I use this for SBA 504?
Yes. Set the down payment to 10% (the SBA 504 minimum for most owner-occupied deals) and a 25-year term. The 504 first-trust + CDC second-trust blended rate is typically lower than conventional, so adjust the rate accordingly.