Run the numbers.
Win the deal.
The commercial mortgage calculator for brokers and borrowers. Type any field — the math updates as you go.
Your Inputs
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The Numbers
Everything you need to size and qualify.
NOI divided by annual P&I debt service.
Amortization Over the Term
Annual principal vs. interest paid, with remaining balance.
| Year | Payment | Interest | Principal | Balance |
|---|---|---|---|---|
| Year 1 | $136,206 | $117,555 | $18,651 | $1,731,349 |
| Year 2 | $136,206 | $116,256 | $19,949 | $1,711,400 |
| Year 3 | $136,206 | $114,867 | $21,338 | $1,690,062 |
| Year 4 | $136,206 | $113,382 | $22,824 | $1,667,238 |
| Year 5 | $136,206 | $111,792 | $24,413 | $1,642,825 |
| Year 6 | $136,206 | $110,093 | $26,113 | $1,616,712 |
| Year 7 | $136,206 | $108,274 | $27,931 | $1,588,781 |
| Year 8 | $136,206 | $106,330 | $29,876 | $1,558,905 |
| Year 9 | $136,206 | $104,249 | $31,956 | $1,526,949 |
| Year 10 | $136,206 | $102,024 | $34,181 | $1,492,767 |
| Balloon at Maturity | Remaining balance due | $1,492,767 | ||
Four fields. Four answers.
Each input maps to something a lender will actually ask. Get all four right before you submit.
Price and loan
Purchase price and loan amount drive everything downstream. Move the LTV slider to see what 60% vs 75% does to the rest of the deal.
Rate and structure
Rate, maturity, amortization. Flip on interest-only if the deal calls for it — the calc handles IO-then-amortize without you doing extra math.
Coverage
Drop in first-year NOI. DSCR is the line that decides if lenders quote. Below 1.20x is a no. Above 1.25x and you’re in business.
Print and send
Open the amortization schedule under the chart and print it. Drop it into the memo or send it with the term sheet request.
CRE, plainly defined.
Definitions written the way you'd hear them on a deal call — not the way they're written in a textbook.
Debt-Service Coverage Ratio. NOI divided by annual debt service. Most stabilized deals need 1.20–1.30x to attract real quotes. Below 1.0 and the property doesn’t cover the loan.
Numbers look right?
Take it to lenders.
Finance Lobby routes your deal to lenders actively quoting structures like this one. No cold outreach. No spreadsheets to forward. Just term sheets.
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