🏛️ Commercial Real Estate DSCR & Max Loan Sizer

Calculate Debt Service Coverage Ratio (DSCR), lender 1.25x minimum debt hurdles, interest rate stress tests, and maximum mortgage sizing.

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📋 Property NOI & Loan Terms

📊 Debt Sizing & Coverage Summary

Maximum Allowed Annual Debt Service $228,000 /yr
Max DSCR-Constrained Loan Amount $2,746,450
Max LTV-Constrained Loan Amount (75%) $2,850,000
Binding Maximum Loan Proceeds $2,746,450 (DSCR Constrained)
Monthly Principal & Interest Payment $19,000 /mo
Net Cash Flow After Debt Service +$57,000 /yr
🏛️ Underwriting Rule: Commercial lenders size mortgages to the lesser of DSCR or LTV to protect debt service during interest rate rate shifts.
Lender Ready Need an official bank underwriting spreadsheet?

Download the unlocked 10-Year CRE Pro Forma, Debt Yield & Waterfall Model (.xlsx).

Unlock Excel Model • $29