Commercial Property Loan Affordability Calculator

Step 1: Income & Property Operational Details

Annual Gross Income (from Property/Business) ($): Total income generated before any expenses.

Annual Operating Expenses ($): Excludes property taxes, insurance, and loan payments for this property.

Estimated Annual Property Taxes ($):

Estimated Annual Property Insurance ($):

Other Annual Property-Related Expenses ($): E.g., maintenance, non-tenant utilities, management fees if applicable.

Desired Down Payment Amount ($):

Desired Annual Interest Rate (%):

Desired Loan Term (Years):

Desired Debt Service Coverage Ratio (DSCR): Lenders typically require 1.20x-1.50x. (NOI / Annual Loan Payment)