The mortgage calculator considers a host of criteria including the interest rate, amortization period, cap rate, NOI, LTV,
DSCR and DY to efficiently calculate a potential loan amount, payment, and total costs.
?Annual Fixed Interest Rate for this loan Ex: 4%
The length of time you agree to pay back your loan.
?The period of time it takes to pay off debt with a fixed repayment
schedule in regular installments. The most common mortgage terms are 25 and 30 years.
?Period where the borrower is required to pay only the interest on the
?Rate of return on a real estate investment property based on the income
that the property is expected to generate; Varies for different properties/markets
?Annual income generated minus expenses incurred from operations
? Loan amount divided by property value - up to 80%
?Net operating income divided by mortgage payment/debt service; typical
DSCR is 1.25x (certain loans can go down to 1.15x)
?NOI/Loan Amount- typical debt yield is 7-10%
?Closing costs are typically anywhere from 4-7% of the loan amount based on
location, loan amount, etc.
The information contained herein has either been given to us by the owner of the
property or obtained from sources that we deem reliable. We have no reason to doubt
its accuracy but we do not guarantee the accuracy of any information provided herein.
As an example, all zoning information, buildable footage estimates and indicated uses
must be independently verified. Vacancy factors used herein are an arbitrary percentage
used only as an example, and does not necessarily relate to actual vacancy, if any.
The value of this prospective investment is dependent upon these estimates and assumptions
made above, as well as the investment income, the tax bracket, and other factors which
your tax advisor and/or legal counsel should evaluate. The prospective buyer should
carefully verify each item of income, and all other information contained herein.