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Free commercial property loan calculator for debt service and DSCR — amortizing payments, annual debt service, and optional NOI-based coverage—not a lender quote.
Last updated: April 18, 2026
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Net operating income ÷ annual debt service = DSCR (when provided)
Payment per month
$8,636.39
Annual debt service: $103,636.73
Notes
Fixed rate
PMT formula
Same amortization identity used in many mortgage calculators.
ADS
P × frequency
Payment times payments per year for annual debt service.
Coverage
NOI ÷ ADS
Quick check when you have stabilized NOI estimates.
Cost of debt
Payments − principal
See cumulative interest over the amortization horizon.
Structure
Fully amortizing
Many CRE loans differ—use term sheets for actual structure.
Disclaimer
Illustrative
Lenders apply spreads, fees, and covenants not modeled here.
Default: $1,250,000 loan, 6.75% annual, 25-year amortization, monthly payments, $140,000 NOI:
Approximate monthly payment
~$8,636.39
Illustrative DSCR: 1.351×
We treat the loan as a fully amortizing obligation: your annual rate is converted to a rate per payment period, and we solve for the level payment that retires the balance over n payments. Annual debt service is the payment times payments per year. If you supply annual NOI, we show DSCR = NOI ÷ annual debt service as a simple coverage metric—underwriting teams may adjust NOI definitions and add stress tests.
n = amortization years × payments per yearr = annual rate ÷ payments per yearIf r = 0: PMT = loan ÷ nElse: PMT = loan × [r(1+r)ⁿ] ÷ [(1+r)ⁿ − 1]Total interest equals total payments minus original principal over the modeled term.
Lower NOI to see how DSCR moves with the same debt service
Pair with our cap rate calculator for yield context.
Get a Custom CalculatorRefinancing risk, tenant rollover, and capex can pressure realized cash flow even when modeled DSCR looks comfortable today.
Not financial or lending advice; for education and estimation only.
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