Loan-to-Value
How much financing are you seeking relative to the property's value?
$1.4 million debt on $2 million value = 70% LTV.
Learn moreRANGEFINDER / CAPITAL MARKETS
Run the Numbers.
See the Possibilities.
A smarter way to explore commercial real estate financing.
Estimate payments, evaluate debt coverage, compare loan structures, and visualize your financing scenario—all in one place.
For commercial real estate financing. Illustrative estimates only.
Your financing scenario
Illustrative assumptions · US dollars
$
$
%
0%100%
%
Sample assumption, not a live market rate.
$
Loan structure
After interest-only ends, payments amortize over the full selected amortization period. Loan maturity does not extend.
Fees & additional assumptions
%
$
Fees are paid separately, not added to principal or recurring debt service.
Financing snapshot
Illustrative onlyFirst-Year Debt-Service Coverage
1.65x
Stronger Coverage
Annual NOI ÷ actual scheduled debt service in months 1–12. Lender requirements vary; no ratio guarantees eligibility.
- Loan Amount
- $1,750,000
- Loan-to-Value
- 70.00%
- Equity Required Before Fees
- $750,000
- Equity Including Fees
- $750,000
- Monthly Principal & Interest
- $11,350
- First-Year Debt Service
- $136,206
- Debt Yield
- 12.86%
- Implied Cap Rate
- 9.00%
- Balance at Maturity
- $1,492,767
- Balloon Payment
- $1,492,767
- Interest Through Maturity
- $1,104,823
- Estimated Financing Fees
- $0
- Total Financing Costs
- $1,104,823
Balloon principal is due in addition to the last installment. Total costs include interest and entered fees only—not principal repayment.
Results are estimates based solely on the assumptions entered and are provided for educational and preliminary planning purposes. They are not loan offers, commitments, financing quotes, investment advice, or guarantees of approval. Actual lender underwriting, fees, requirements, and financing terms may differ.
Amortization & repayment
See Beyond the Monthly Payment.
Understand how financing costs, principal repayment, and the remaining balance change over the life of your loan.
| Year | Beginning Balance | Scheduled Payment | Interest Paid | Principal Paid | Ending Balance |
|---|---|---|---|---|---|
| 1 | $1,750,000 | $136,206 | $117,555 | $18,651 | $1,731,349 |
| 2 | $1,731,349 | $136,206 | $116,256 | $19,949 | $1,711,400 |
| 3 | $1,711,400 | $136,206 | $114,867 | $21,338 | $1,690,062 |
| 4 | $1,690,062 | $136,206 | $113,382 | $22,824 | $1,667,238 |
| 5 | $1,667,238 | $136,206 | $111,792 | $24,413 | $1,642,825 |
| Balloon payoff at maturity | $1,492,767 | $1,492,767 | $0 | $1,492,767 | $0 |
The balloon is a separate payoff, not recurring scheduled debt service. Figures are rounded for display; calculations use full precision.
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Different Structures. Clearer Choices.
No saved financing scenarios.
Capital Markets Advisory
The Numbers Are a Starting Point.
The right structure depends on more than a monthly payment.
Our Capital Markets team helps borrowers, owners, and investors explore financing alternatives, understand their options, and connect with potential capital sources.
Understand your financing
Four Numbers Worth Knowing Before You Talk to a Lender.
Monthly Debt Service
What does the financing structure require you to pay?
$10,000 each month = $120,000 per year, before a separate balloon.
Learn moreDebt Coverage
Does operating income support the modeled payments?
$150,000 NOI ÷ $120,000 debt service = 1.25x DSCR.
Learn moreBalloon at Maturity
How much principal may remain when the loan matures?
$1 million remaining principal means a $1 million maturity payoff.
Learn moreQuestions Worth Asking.
What's the difference between loan maturity and amortization?
Maturity is the repayment deadline. Amortization determines the installment calculation. A ten-year loan amortized over thirty years generally has a remaining balance due after year ten.
How does interest-only financing affect DSCR?
Interest-only payments typically reduce initial debt service, increasing modeled coverage. When amortization begins, payments may rise and DSCR may fall. Compare actual first-year coverage with the post-interest-only estimate.
Why can a lower payment still create refinancing risk?
Slower principal repayment leaves a larger balloon. Refinancing depends on future property income, value, interest rates and lender availability—not just today's monthly payment.
What happens when a commercial mortgage matures?
The remaining principal becomes due in addition to the final scheduled installment. Borrowers may repay, sell or refinance; an extension requires lender agreement.
What's the difference between LTV and LTC?
LTV compares loan principal to property value. LTC compares it to eligible project costs. Lenders may define eligible costs and valuations differently.
How do lenders evaluate debt coverage?
They may adjust income, expenses, reserves and debt service for underwriting. Thresholds depend on the lender, property and structure. The coverage bands here are illustrative.
Does a strong DSCR mean my loan will be approved?
No. Lenders also assess collateral, sponsor experience, liquidity, credit, tenancy and other factors. No calculator ratio guarantees eligibility or terms.
What financing costs are excluded from this calculator?
Only entered origination and closing fees plus modeled interest are included. Unentered legal, appraisal, title, reserves, taxes, insurance, hedging, prepayment and other costs are excluded. Floating rates are not forecast.
RANGEFINDER ADVISORS LLC is not a lender and does not guarantee loan approvals, financing terms, investor commitments, or the availability of capital. Nothing on this website constitutes an offer to sell, or a solicitation of an offer to buy, any security. Services are subject to applicable laws and licensing requirements.