Calculator

Max Loan & Affordability Calculator

Find the largest commercial loan your property can support — limited by both its cash flow (DSCR) and its value (LTV).

Net operating income (annual)

Property value / purchase price

Target DSCR

Minimum coverage lenders require (commonly 1.25).Max LTV

Loan-to-value cap (commonly 70–80%).

Interest rate

Amortization

yrs

Estimated maximum loan

$1,660,195

Constrained by cash flow (DSCR).

Max by cash flow (DSCR): $1,660,195
Max by value (75% LTV): $1,875,000
Implied LTV at max loan: 66.4%

Get matched with lenders →

Two limits, whichever is lower

Lenders size a commercial loan by the lesser of two constraints. First, cash flow: the property's net operating income must cover the payment at the lender's target DSCR. Second, value: the loan can't exceed a maximum loan-to-value (LTV) percentage of the purchase price or appraised value. This tool shows both ceilings and which one caps your deal.

Estimates only and not a commitment to lend. Actual maximums depend on the lender, program, property type, and underwriting.

More tools

Deal Readiness

See how your deal scores on the three metrics lenders care about — and which programs fit.

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.

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.