Quick-Qualifier Spreadsheet
Please fill all required fields
 
    Scenario 1 Scenario 2
    Estimated Value/Purchase Price
    Requested Loan Amount
    Loan To Value
    Interest Rate
    Amortization (In Months)
    Payment
    Gross Monthly Rent
    Expense Ratio
    Net Operating Income
    Property Debt To Service Ratio
    Debt To Service Ratio Target 1.25 1.25

     

       
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    Use this spreadsheet to quickly calculate your properties Debt to Service Ratio (DSCR) in order to meet Commercial Property Lenders minimum DSCR guidelines.  For apartments the minimum DSCR is 1.15 for our Stated Income Program.  For office and retail, I would allow for 1.30 and 1.35 minimum requirement.
    Banks and appraisers use a 40% expense ratio as a rule of thumb to initially see if the property will cash flow correctly. If the landlord pays all utilities for the tenant, I would use a 48% to 53% expense ration.
    Please input numbers in the Blue fields only.  Use the Tab key, to navigate between cells.
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