Making Commercial Real Estate Lending Make Sense

Straightforward tools, DCR calculators, and insights for income-property investment financing.

Built by Gina

VP, Sales Manager | Commercial Lending & Marketing

For more than two decades, I've helped California brokers and investors understand income-property financing — from cash flow and income value to Debt Coverage Ratio (DCR). These tools are designed to make the numbers easier to understand, calculate, and use.

Questions?

Investment Property DCR Calculator & Class

Work out income value and Debt Coverage Ratio for multifamily and commercial properties. Built for commercial brokers who want a refresher and residential brokers moving into income property.

Download the DCR Worksheet Opens a security notice — click "Enable Editing," it's just a standard download prompt.

Investment Property DCR Calculator

For instructional purposes only, please contact Gina () or your loan officer to fine tune the calculations. To begin, choose your property type and follow instructions to enter data.

1. Net operating income (only the highlighted fields — the rest calculate for you)

Gross monthly rental income Annual operating expenses Reset to default (35% of rent) Market average for apartments runs about 35% of gross rents. Standard Vacancy Factor

Gross annual rental income–

Net operating income (NOI) – Rent minus expenses minus vacancy loss

2. Income value of property

Capitalization rate

Income value of property – Based on rents — NOI ÷ cap rate

Max loan supported at 70% LTV –

3. DCR, rate & payment

Requested loan amount Reset to 70% LTV max Interest rate Amortization period (years)

LTV – Max 70% for multifamily

Estimated P&I monthly–

Estimated annual payment – Must be lower than NOI

Debt Coverage Ratio (DCR)–

Max loan this NOI supports at minimum DCR – At this rate & term — the real ceiling is the lower of this and the LTV max

Minimum DCR: 1.20 for multifamily.

Estimates only — for a formal quote, contact Gina directly ().