Commercial Acquisition Tool
Commercial mortgage
scenario calculator.
Model a proposed loan using your own purchase price, equity, rate, amortization and net operating income assumptions.
Acquisition scenario
Enter the proposed terms.
Use your own financing assumptions. Commercially does not supply or estimate interest rates.
Calculated scenario
- Loan amount
- $1,500,000
- Annual debt service
- $131,567
- Loan-to-value
- 75.0%
- Equity contribution
- 25.0%
- Debt-service coverage ratio
- 1.37×
Principal-and-interest estimate only. It excludes lender fees, appraisal, legal costs, taxes, insurance, reserves, closing adjustments and other financing requirements. A lender may calculate NOI, debt service and coverage differently.
Read the result
One scenario.
Not a lending decision.
Loan-to-value (LTV) compares the proposed loan amount with the purchase price entered. A lender may instead use an appraised value or another basis.
Debt-service coverage ratio (DSCR) divides the annual NOI entered by the estimated annual principal and interest payments. Lenders establish their own definitions, adjustments and minimum requirements.
Payment estimate assumes level monthly principal-and-interest payments across the amortization period. A commercial loan term can be shorter than its amortization and may require refinancing or a balance payment.
Independent verification
Financing is property- and borrower-specific.
This tool is general information, not a financing offer, approval, rate quote, appraisal, tax opinion or investment recommendation. Confirm all assumptions with the proposed lender and qualified professional advisors.
BDC commercial real estate financing information ↗Read the Alberta buying guide →Submit an acquisition requirement →Calculator inputs remain in your browser and are not submitted to Commercially. Only a form you intentionally submit creates an inquiry.