Calculate your commercial mortgage payments and analyze loan details
| Date | Payment # | Payment | Principal | Interest | Balance |
|---|
The Commercial Mortgage Calculator is a powerful financial tool designed to help business owners, investors, and property developers accurately calculate and analyze commercial real estate loan payments. This calculator allows users to enter specific loan details like purchase price, loan amount, loan-to-value (LTV) ratio, interest rate, loan term (maturity), amortization period, and other critical inputs such as first-year Net Operating Income (NOI).
With clear outputs like monthly payments (interest-only and P&I), annual payments, DSCR (Debt Service Coverage Ratio), equity at payoff, and amortization schedules, users can assess affordability, risk, and return on investment for commercial property acquisitions.
Loan Detail Inputs: Enter purchase price, loan amount, LTV, interest rate, amortization period, and maturity date.
NOI & DSCR Calculation: Automatically computes DSCR based on first-year NOI, a critical metric for lenders and investors.
Amortization Schedule: View detailed breakdowns of payments, principal, interest, and remaining balance over time.
Interest-Only Option: Calculate monthly payments during interest-only periods.
Instant Summaries: Automatically calculates down payment, monthly P&I payments, and equity at payoff.
CSV Download: Export the full amortization schedule in CSV format for external analysis or sharing.
Reset & Copy Options: Quickly reset fields or copy summary data for presentations and reporting.
Tailored for Commercial Real Estate: Specifically designed for the complexities of commercial mortgages (unlike generic loan calculators).
Detailed Financial Analysis: Provides in-depth projections for payment plans and long-term payoff insights.
Investor & Lender Friendly: Useful for securing loans and presenting financial viability to stakeholders.
Smart Decision-Making: Helps evaluate cash flow, debt coverage, and equity growth scenarios in real estate.
Saves Time: Instantly gives you accurate estimates without manually calculating amortization schedules or DSCR.
Real Estate Investors: Assess feasibility and affordability of a new commercial property.
Loan Officers & Brokers: Determine appropriate loan amounts and payment structures for clients.
Commercial Lenders: Evaluate borrower’s repayment ability using DSCR and payment history projections.
Accountants & Advisors: Help clients plan, budget, and understand long-term loan implications.
Developers & Builders: Simulate different financing scenarios for new construction or renovations.
A commercial mortgage is often one of the largest and most complex financial commitments a business can undertake. Unlike residential mortgages, commercial loans involve varying amortization schedules, balloon payments, and strict lender qualifications like DSCR. Using a commercial mortgage calculator ensures:
Accurate Loan Structuring
Risk Reduction
Improved Communication with Lenders
Enhanced Financial Planning
Better Investment Decisions
| Parameter | Value |
|---|---|
| Purchase Price | $10,000 |
| Loan Amount | $2,000 |
| LTV | 20% |
| Interest Rate | 5.5% |
| Maturity | 7 Years |
| Amortization | 30 Years |
| Down Payment | $8,000 |
| Interest-Only Monthly | $9 |
| P&I Monthly | $11 |
| Annual Payments | $136 |
| DSCR | 1467.68 |
| Equity at Payoff | $8,224 |
| Payoff Balance | $1,776 |
It’s a tool that helps you estimate monthly payments, total loan cost, and financial metrics like DSCR for commercial property loans.
Real estate investors, lenders, developers, financial advisors, and business owners planning to finance a commercial property.
Commercial mortgages are used for income-producing properties and often involve higher loan amounts, shorter terms, and complex structures.
It’s the amount you’re borrowing from the lender, typically less than the property’s full purchase price.
LTV = (Loan Amount / Purchase Price) × 100. It shows how much of the property is financed by debt.
The point when the loan is due for full repayment or refinancing, even if it’s not fully amortized.
It’s a payment where you only pay interest for a certain period, without reducing the loan principal.
The UpStore platform offers mid-sized companies a full range of integrated business financial management features.