RealAsset Edge - CRE Loan Sizing Calculator
Determine maximum loan amounts using LTV, Debt Yield, and DSCR constraints
Loan Inputs
$500,000
$5,000,000
65.00%
5.50%
1.25x
5.50%
25 years
10 years
Calculation Methods
Max Loan by LTV
Max Loan Amount
$3,250,000
Formula
Property Value × (Max LTV / 100)
Variables Used
Max Loan by Debt Yield
Max Loan Amount
$9,090,909
Formula
NOI / (Min Debt Yield / 100)
Variables Used
Max Loan by DSCR
Max Loan Amount
$5,428,108
Formula
Calculated from NOI / Min DSCR
Variables Used
Constrained Loan Amount (Minimum of 3 Methods)
$3,250,000
Binding Constraint:
LTV
Custom Loan Override
Constrained Amount
$3,250,000
Output Metrics
Selected Loan Amount
$3,250,000
Final loan amount used for analysis
Calculated LTV
65.00%
Loan to Value ratio
Debt Yield
15.38%
NOI as % of loan amount
Annual Debt Service
$239,494
Total annual loan payments
DSCR
2.09
x
Debt Service Coverage Ratio
Equity Required
$1,750,000
Property value minus loan amount
Cash on Cash Yield
14.89%
Annual cash flow as % of equity
| Metric | Value | Description |
|---|---|---|
| Selected Loan Amount | $3,250,000 | The loan amount used for all calculations |
| Calculated LTV | 65.00% | Selected loan amount divided by property value |
| Debt Yield | 15.38% | Underwritten NOI divided by loan amount |
| Annual Debt Service | $239,494 | Total principal and interest paid annually |
| DSCR | 2.09x | NOI divided by annual debt service |
| Equity Required | $1,750,000 | Property value minus selected loan amount |
| Cash on Cash Yield | 14.89% | Annual cash flow (NOI - ADS) divided by equity |