Commercial Real Estate Loan Calculator
Calculate your CRE loan payments, analyze DSCR, and evaluate investment returns with balloon payment options.
Commercial Property Financing Calculator
Analyze loan payments, debt coverage, and investment metrics for commercial properties
Office | Retail | Industrial | Multifamily
Understanding Commercial Real Estate Loans
Types of CRE Loans
- Conventional Bank Loans: Traditional financing with 5-10 year terms
- SBA 504 Loans: Government-backed, lower down payments (10%)
- SBA 7(a) Loans: Flexible use, up to $5M
- CMBS Loans: Commercial mortgage-backed securities, non-recourse
- Bridge Loans: Short-term financing for transitional properties
Key Metrics Explained
- DSCR: Net Operating Income / Annual Debt Service
- Cap Rate: NOI / Property Value
- Cash-on-Cash: Annual Cash Flow / Total Cash Invested
- LTV: Loan Amount / Property Value
Down Payment Requirements
- Conventional: 25-35% typically required
- SBA 504: As low as 10%
- CMBS: 25-30% minimum
- Bridge: 20-40% depending on property
Common Loan Structures
- Fully Amortizing: No balloon, pay off completely
- Balloon: Balance due at maturity
- Interest-Only: Lower initial payments
- Hybrid: Interest-only then amortizing