Loan Sizing Calculator

Sizing Inputs

Enter property income / value and lender thresholds — the calculator works backwards to find the maximum loan supported by each constraint.

🏢 Property & Income

Property Name

Property Type

Number of Units (multifamily)

Rentable SF (commercial)

Appraised Value / Purchase Price ($)

Total Project Cost ($, for LTC — construction/bridge)

Net Operating Income ($, net of reserves)

Stabilised NOI (value-add / lease-up; defaults to NOI)

NOI is net of replacement reserves

Gross Potential Rent ($, optional)

Total Operating Expenses ($, optional)

🏦 Loan Parameters

Interest Rate / Coupon (%)

Sizing Constant override (%, optional — stressed sizing)

Amortisation Period (years)

Loan Term (years)

Interest-Only Period (months)

Recourse

Exit Cap Rate (%, for exit / refi)

Actual Requested Loan Amount ($, optional)

🎯 Lender Constraints

Lender Preset (auto-fills standard thresholds)

Maximum LTV 75%

Minimum DSCR 1.25x

Minimum Debt Yield 9.0%

Maximum LTC (needs Total Project Cost) 75%

ℹ️ Sizing always uses the fully-amortising payment (the conservative lender approach) — an interest-only period never increases the maximum loan; it only lowers the Year-1 payment.

Sizing Inputs

🏢 Property & Income

🏦 Loan Parameters

🎯 Lender Constraints

Loan Sizing Results

Resulting Loan Metrics

Per-Unit / Per-SF Metrics

Visual Comparison

Requested vs Maximum Loan

Going-In vs Requested Debt Yield

Exit / Refinance Analysis

Sensitivity: Max Loan vs NOI

Sensitivity: Max Loan vs Interest Rate

Combined Stress Matrix — DSCR