Calculator

Loan size and DSCR

The largest loan the income supports at a lender’s coverage and leverage limits, and the cash-on-cash that leaves.

PriceNet operating incomeInterest rate%AmortizationyearsMaximum loan to value%Minimum debt coveragex

Result

Loan at max LTV: $6,500,000
Loan at min DSCR: $6,167,147
Maximum loan: $6,167,147
Limited by: Debt coverage
Annual debt service: $480,000
DSCR at that loan: 1.25x
Equity needed: $3,832,853
Cash-on-cash, year one: 3.13%

Fully amortizing payment; fees and reserves are not included. For interest-only periods and a balloon, use Balloon and refinance.

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Send this analysis over and I will look at it against the property itself: whether the rents and expenses hold up, what the financing really allows, and where the deal could be stronger. I read every message myself, and what you share stays between us.

These are estimates to help you think it through, not an appraisal or tax, legal or lending advice.

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