Financial Toolset

Commercial Real Estate Loan Calculator - CRE Financing

Calculate commercial property loan payments, DSCR, and cash-on-cash return. Free commercial real estate calculator.

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Calculator

$50000$100000000
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10%50%
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$0$10000000
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Results

Loan Amount
$0.00
Down Payment Amount
$0.00
Monthly Loan Payment
$0.00
Annual Debt Service
$0.00
DSCR (Debt Service Coverage Ratio)
0.00
Annual Cash Flow (After Debt)
$0.00
Cash-on-Cash Return
0.00%

DSCR Requirements

Commercial lenders typically require DSCR of 1.20-1.35. This means NOI must be 20-35% higher than annual debt payments. DSCR below 1.0 means the property doesnt generate enough income to cover debt.

Key Financial Terms

Understand the essential concepts behind this calculator

DSCR (Debt Service Coverage Ratio)

A measure of cash flow available to pay debt obligations, calculated as annual net operating income divided by annual debt payments.

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View all financial terms in our glossary →

Frequently Asked Questions

Common questions about the Commercial Real Estate Loan Calculator - CRE Financing

Most lenders require minimum DSCR of 1.20-1.25. Strong deals have DSCR of 1.35-1.50. Below 1.0 means negative cash flow. Higher DSCR indicates safer investment with more cushion.

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⚠️ Important Disclaimer

This Commercial Real Estate Loan Calculator - CRE Financing provides estimates for educational and informational purposes only. Actual results may vary significantly based on individual circumstances, market conditions, regulatory changes, and other factors beyond the scope of this calculator.

The calculations and projections provided are based on assumptions and historical data that may not reflect future performance.Past performance does not guarantee future results.

This tool is not financial advice, tax advice, legal advice, or investment advice. For personalized guidance tailored to your specific situation, please consult with qualified professionals including:

  • Certified Financial Planner (CFP)
  • Certified Public Accountant (CPA) for tax matters
  • Licensed attorney for legal matters
  • Registered Investment Advisor (RIA) for investment decisions

Data Accuracy: All data sources, statistics, and rates were verified as accurate as of October 2025. Tax rates, market conditions, and other financial data change over time. Always verify current rates and consult official sources.

No Warranties: While we strive for accuracy, we make no warranties or guarantees regarding the accuracy, completeness, or reliability of any information provided. Use this tool at your own risk.