Commercial path
Frame the commercial deal like a sponsor—not a residential borrower
NOI-led inputs, cap rate, and coverage framing in one premium read—so you can align brokers, sponsors, and lenders on the same numbers.
Why commercial deals stall in spreadsheet limbo
- Residential payment calculators do not speak NOI, cap rate, or coverage language.
- Sponsors need a snapshot brokers can forward—not a tab nobody understands.
- Small assumption changes in expenses or rate move DSCR and cash flow materially.
What the commercial analyzer gives you
- NOI and operating expense inputs with cap-rate framing.
- Coverage and payment read aligned to commercial conversations.
- Playbook Report output suitable for internal sponsor review.
What this calculator shows you
NOI-based structure with income and expense breakdown
Cap rate and coverage framing from your inputs
Estimated debt service and payment stack
Commercial strategy notes for lender follow-up
Example scenario
Example: small retail strip with stabilized NOI
$1.2M value, $72k NOI, $18k operating expenses modeled, 25-year amortization at 7.5%.
- Cap rate (illustrative)
- ~6.0%
- NOI after expenses
- ~$54k/yr
- Coverage framing
- ~1.15*
Illustrative only. Run your own numbers in the analyzer—results depend on your inputs and program.
Run this scenario type →Ready to model your deal?
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Start commercial analysisFrequently asked questions
Does this replace a commercial term sheet?
No. It is an educational planning tool. Final terms depend on lender credit boxes, appraisal, and asset-specific underwriting.
Which property types does it support?
Use it for income-producing scenarios where NOI and expenses are known or estimated. Confirm program fit with a commercial lender.
Can I share the report with my broker?
Yes. After you complete the flow you can unlock a Playbook Report link for internal review—still not a commitment to lend.
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Important disclosures
Estimates are for educational purposes only and are not a loan estimate, commitment to lend, or guarantee of terms. Calculators and reports do not constitute financial, tax, or legal advice. Only a licensed loan officer can provide official quotes, disclosures, and approval to lend. Equal Housing Lender.