Calculator

Balloon and refinance

See what you will owe when the loan comes due, and whether a refinance at that point covers it or needs more cash from you.

Loan amountInterest rate%AmortizationyearsInterest-only periodyearsLoan term (balloon)yearsNet operating income todayNOI growth% / yrExit cap rate%Refinance rate%Refinance amortizationyearsRefinance max LTV%Refinance min DSCRx

Result

Payment, interest-only: $36,563 / mo
Payment, amortizing: $42,159 / mo
Debt service, year one: $438,750
Balloon due in year 5: $6,277,373
NOI at maturity: $662,448
Value at the exit cap: $9,814,052
New loan available: $6,379,134 (LTV limit)
Cash out at refinance: $101,760

This assumes NOI grows steadily and that today's terms are available for the new loan. Prepayment penalties, fees and reserves are left out.

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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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