Commercial DSCR
Net operating income divided by annual debt service.
NOI calculation and lender requirements vary.
Buying an apartment building, refinancing a mixed-use property or financing a business-occupied building? Share your property and goals before we discuss financing choices.
NOI, debt service and leverage can shape a commercial loan review. Use your own assumptions, not advertised pricing.
Net operating income divided by annual debt service.
NOI calculation and lender requirements vary.
Compare the requested loan against an estimated value.
Not a lender's approved leverage limit.
Illustrate income relative to a stated property value.
NOI ÷ market value; not an appraisal or valuation opinion.
Start with the asset and financing need. NOI and occupancy can be estimated or left blank if unknown.
No. This initial request is for a personal review. Supporting operating statements, leases, entity information and third-party reports may be needed later.
No. Owner-occupied commercial financing can involve different programs and underwriting, and may have distinct business eligibility and documentation requirements.