Commercial Mortgage Calculator
Calculate commercial real estate loan payments, balloon balances, and Debt Service Coverage Ratio (DSCR) with our free commercial mortgage calculator.
Input Details
When balloon is due
Used to calculate DSCR
Results
Monthly Payment (P&I)
$11,084.87
Loan Balance & Balloon Payment
Balloon Payment (Year 10)
$1,195,762.66
DSCR (Debt Service Coverage Ratio)
1.35x
Excellent (Usually >1.25 required)
Annual Summary
Using the Commercial Mortgage Calculator
Our commercial mortgage calculator is an essential tool for investors and business owners looking to finance income-producing properties. Unlike residential loans, commercial financing often involves shorter terms with balloon payments and strict requirements for cash flow coverage.
Commercial Property Mortgage Calculator Features
This commercial property mortgage calculator allows you to model complex scenarios, including different amortization periods (often 20-30 years) and loan terms (typically 5-10 years). It also calculates the "Balloon Payment"—the large remaining balance due at the end of the term.
Commercial Real Estate Mortgage Calculator Metrics
A key metric in any commercial real estate mortgage calculator is the Debt Service Coverage Ratio (DSCR). Lenders use this to ensure the property's Net Operating Income (NOI) is sufficient to cover the annual debt service. Most lenders require a DSCR of at least 1.25x.
Looking for other equity options?
If you're a homeowner aged 62 or older, you might also be interested in our Reverse Mortgage Calculator to see how much tax-free cash you can access from your home equity.