Paul E Stansen APC
Commercial property loan calculator
See how a loan affects your property’s monthly payments, annual cash flow, and debt coverage. Adjust the figures to compare scenarios.
Your financial analysis
- Annual debt service
- Debt service coverage ratio
- Annual cash flow after debt service
- Loan constant
- Debt yield
- Cash-on-cash before purchase costs
- Cap rate
- Loan-to-value
How these numbers are calculated
Payments use a fixed annual rate divided by 12, with payments at the end of each month. Annual debt service is 12 monthly payments. Debt coverage is annual NOI divided by annual debt service. Debt yield is NOI divided by the loan amount. Loan constant is annual debt service divided by the loan amount. Cap rate is NOI divided by property value. Cash-on-cash is annual cash flow after debt service divided by property value less the loan amount, before purchase costs and reserves. “N/A” means the ratio has no positive denominator.
Let’s put the numbers in context.
Discuss your property and financing goals with Paul.