Free Tool
Deal readiness check
See how your deal stacks up against the three numbers lenders size every commercial loan on — LTV, DSCR, and debt yield — and which programs fit, in one place.
Deal readiness
Close — worth a conversation
You're near typical thresholds; the right lender may still fit this deal.
LTV
70%
Workable
≤ 65–75% typical
DSCR
1.25x
Strong
≥ 1.25x typical
Debt yield
10.9%
Strong
≥ 9–10% typical
The three numbers lenders look at
- LTV (loan-to-value)— how much you're borrowing against the property's value. Most commercial lenders cap around 65–75%.
- DSCR (debt service coverage)— whether the property's income comfortably covers the payment. Lenders typically want 1.25x or better.
- Debt yield — net operating income ÷ loan amount, a leverage check that ignores rate and term. Many lenders look for 9–10%+.
Estimates and indicative ranges only — actual thresholds vary by lender, property type, and market. This is not a credit decision or financial advice.
More tools
Mortgage Calculator
Estimate your monthly payment, total interest, and balloon balance.
DSCR Calculator
Check your debt service coverage ratio and whether a deal is likely to qualify.
Affordability Calculator
Find the largest loan your property's income and value can support.
Refinance Analyzer
Compare your current loan to a new one — savings, cash-out, and break-even.
Closing Costs
Estimate NYC closing costs, including the mortgage recording tax.
SBA Eligibility
See whether an SBA 504 or 7(a) loan fits — and what to ask a lender.
Loan Selector
Answer four questions to find the loan programs that fit your deal.
Maturity Lookup
Estimate when your building's commercial loan comes due — from public records.