Calculators
Twelve calculators for the ratios that come up in every financing conversation, from loan-to-value and DSCR to yield on cost, equity multiple, and interest reserve sizing. Each one carries its formula, how lenders read it, and what it leaves out. Everything runs in your browser; nothing you enter is sent or stored. The outputs are arithmetic, not quotes or underwriting decisions.
Tools
LTV = Loan Amount ÷ Property Value × 100
Calculate loan-to-value for a commercial property: loan amount divided by value. Formula, how lenders read the result, and its limits.
Open calculator →LTC = Loan Amount ÷ Total Project Cost × 100
Calculate loan-to-cost: loan amount divided by total project cost. See the formula, how construction and bridge lenders use LTC, and what it leaves out.
Open calculator →DSCR = Net Operating Income ÷ Annual Debt Service
Calculate debt service coverage ratio: net operating income divided by annual debt service. Formula, how to read the ratio, and its limits.
Open calculator →Debt Yield = Net Operating Income ÷ Loan Amount × 100
Calculate debt yield: net operating income divided by loan amount. Learn why lenders use it, how it differs from DSCR and cap rate, and its limits.
Open calculator →Cap Rate = Net Operating Income ÷ Price or Value × 100
Calculate capitalization rate: net operating income divided by price or value. Formula, how to interpret going-in and exit cap rates, and limits.
Open calculator →Total Interest = Loan Amount × Annual Rate × (Months ÷ 12)
Estimate total interest on an interest-only bridge loan from principal, annual rate, and months. The formula, what it leaves out, and how carry fits a budget.
Open calculator →Payment = P × r ÷ (1 − (1 + r)^−n), r = annual rate ÷ 12, n = years × 12
Calculate the monthly payment, annual debt service, and loan constant on an amortizing commercial real estate loan from principal, rate, and amortization.
Open calculator →Yield on Cost = Stabilized NOI ÷ Total Project Cost × 100
Calculate yield on cost: stabilized NOI divided by total project cost. See how developers compare it to market cap rates to judge a value-add or ground-up deal.
Open calculator →Cash-on-Cash = (NOI − Annual Debt Service) ÷ Equity Invested × 100
Calculate cash-on-cash return: annual cash flow after debt service divided by equity invested. Formula, how leverage changes it, and its limits.
Open calculator →Equity Multiple = Total Distributions ÷ Total Equity Invested
Calculate equity multiple: total cash returned to investors divided by total equity invested. Formula, how it differs from IRR, and how to read it.
Open calculator →Break-Even Occupancy = (Operating Expenses + Annual Debt Service) ÷ Gross Potential Income × 100
Calculate break-even occupancy: operating expenses plus debt service divided by gross potential income. See how much vacancy a property can absorb.
Open calculator →Reserve = (Loan × Rate × Months ÷ 12) − (Monthly NOI × Months), floored at zero
Size an interest reserve for an interest-only bridge or construction loan from loan amount, rate, term, and the NOI available to pay carry.
Open calculator →Learn the concepts
Bring the numbers. H Equities will tell you which of its structures fit and what it would need to see.