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Commercial Mortgage Calculators - Office Loan Sizer

If you are currently looking into making an investment of an income producing property we suggest that you try out our mortgage calculators perfect for apartments, office, or retail investments. Commercial financing is all based on the real estate and by plugging in the correct numbers you can get a good idea of what type of loan a property will support. To speak with an experience commercial loan officer contact our income property lending group at (800) 404-4804.

Office Loan Sizer

100% Gross Potential Income(1)		$
Less Vacancy and Uncollectables(2)		$
	Effective Gross Income	$

Less Expenses(3)
	Taxes	$
	Insurance	$
	Utilities	$
	Janitorial	$
	Management(4)	$
	Trash	$
	Maintenance & Repairs	$
	Administrative	$
	Miscellaneous	$
	Total Operating Expenses	$ % of TOI

Net Operating Income		$
Less
	Total Sq Ft	Sq.Ft.
	Capital Reserves(5)	$
	Tenant Improvement Reserves(6)	$
	Leasing Commission Reserves(7)	$
	Total Below Line Expense	$
Cash Flow Available to Service Debt		$


Calculator
	Interest Rate	%
	Repayment Schedule (years)	years
	Debt Service Coverage(8)
	Loan Amount	$

Definitions
1. Sum of all actual income assuming 100% occupancy
2. Input actual vacancy and uncollectible. If input is less than 5% of Gross Potential Income, model will automatically default to greater number.
3. Input actual expenses with necessary adjustments for Taxes and Insurance. Use Miscellaneous as a catch all.
4. Input actual management expenses. If input is less than 5% of Effective Potential Income, model will automatically default to greater number.
5. Use greater of $250/door or actual
6. Defaults to 1.2 times

DISCLAIMER: The calculations performed by this calculator are mathematical estimates. There is NO WARRANTY, expressed or implied, for the accuracy of this information or it's applicability to your financial situation. Please consult your own financial advisor before making any financial decisions.