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
Estimate monthly payments, principal and interest composition, and total debt service for a commercial loan over time. Includes full schedule export.
DSCR Calculator
Compute Debt Service Coverage Ratio from NOI and debt service. Test lender thresholds and reverse-solve supportable loan amounts.
Cap Rate Calculator
Value a property using NOI and market capitalization rates, or back-solve required NOI for a target value.
IRR Calculator
Model equity returns from periodic cash flows, acquisition costs, and sale proceeds to benchmark investment performance.
Refinance Analysis
Quantify payment deltas, interest savings, and cash-out potential. Identify breakeven horizon and sensitivity to rates and terms.
SBA 504 Loan Calculator
Model 50/40/10 structures with bank firsts, CDC debentures, borrower equity, and blended APR for owner-occupied CRE.
NOI Calculator
Derive stabilized NOI from gross income, vacancy, and controllable expenses. Useful for valuation and DSCR testing.
LTV & Proceeds Calculator
Translate value and lender LTV caps into maximum proceeds and equity requirements for acquisitions or refinances.
After Repaired Value (ARV)
Estimate post-renovation value using cost inputs and market comps to inform leverage and exit assumptions.
Average Daily Rate (ADR)
Calculate ADR and related hospitality metrics to benchmark performance and inform underwriting and valuation.
Balloon Payment Calculator
Project residual balance at maturity for partially amortizing loans and evaluate refinance or disposition timing.
Frequently Asked Questions
How is DSCR calculated
DSCR equals Net Operating Income divided by annual debt service. Many lenders target 1.20 to 1.35 depending on asset quality, business plan, and market volatility.
What is a good cap rate
It depends on risk, market, and asset type. Prime locations with durable income often trade at lower yields, while transitional or tertiary assets price wider to compensate for risk.
How does the SBA 504 structure work
Typical execution is 50 percent bank first mortgage, 40 percent CDC second, and 10 percent borrower equity. The blended structure can extend amortization and reduce weighted cost of capital for owner-occupied real estate.