Commercial Mortgage Calculator

eFunder Capital · Investor financing tool

Investment Property Mortgage Calculator

Model your payment, property cash flow, debt coverage, and loan balance in one place.

Make the numbers work before you apply.Adjust the scenario below to compare financing structures. Results update as you edit.

Build your scenario

Enter property and loan assumptions. Optional costs can stay at zero.

Transaction type

PurchaseRate-Term RefinanceCash-Out Refinance

Property & loan

Purchase Price Loan Amount Target LTV %% Down Payment Down Payment %% Existing Loan Payoff Estimated Closing Costs OptionalOptional estimate for lender, title, escrow and other transaction costs. Other Payoffs OptionalFor example, subordinate liens or other debt paid through closing. Interest Rate% Amortization Term Loan Term / Maturity Interest-Only Period Extra Monthly Principal Payment Optional

Property income & expenses

Monthly Rent Other Monthly Income Annual Property Taxes Annual Insurance Monthly HOA / Condo Fee Vacancy / Expense Factor% Other Monthly Expenses Optional

Your financing snapshot

Estimates based on the figures you entered.

Monthly paymentPrincipal & interest

Debt service coverage ratioMonthly NOI ÷ initial scheduled monthly debt service

General financing context only: below 1.00x · 1.00–1.09x · 1.10–1.24x · 1.25x+

Monthly cash flow

Loan-to-value

Down payment

Estimated cash to close

Existing loan payoff

New loan amount

Estimated cash required at closing

Estimated net cash to borrower

Equity remaining

Gross cash-out before costs

Equity remaining %

Monthly NOI

Annual NOI

Annual debt service (initial year)

Monthly principal & interest

Monthly interest-only payment

Total principal paid*

Total interest paid*

Remaining balance at maturity

Estimated balloon balance

Interest savings with extra principal*

Revised payoff time

The payment, cash flow, annual debt service, and DSCR snapshot use the initial payment phase. Payment rises after an interest-only period. * Principal, interest, and extra-payment savings are projected through payoff if the loan continues without refinancing. A shorter maturity may require payment or refinancing of the remaining balance.

Estimated cash to close is down payment plus your closing-cost estimate. It is a planning figure, not a lender closing disclosure.

Cash-out and cash-to-close figures are estimates. Actual proceeds may differ based on payoff statements, lender fees, title and settlement charges, escrows, taxes, interest, liens, and other closing adjustments.

Equity remaining is property value minus the new loan. Estimated net cash is new loan proceeds after existing payoff, closing costs, and other payoffs.

Loan trajectory

Principal, interest & balance

Principal Interest Remaining balance

Annual figures shown through loan maturity. Extra principal is included in principal paid.

Payment detailAmortization Schedule

How this DSCR is estimated

Monthly NOI = rent + other income − vacancy/expense reserve on that income − monthly taxes − monthly insurance − HOA − other monthly expenses. DSCR = monthly NOI ÷ scheduled monthly debt service.

Read the result in context

The ranges shown are general financing context, not universal lender rules. Lenders may use different income, expense, reserves, and debt service methods.

Next step

Ready for an actual financing review?

Share the property and financing scenario with eFunder Capital after exploring your numbers.

Submit Your Deal

This calculator provides estimates for planning only. Results are not a loan approval, offer, or commitment to lend. Lender DSCR methods may differ. Rates and programs are subject to underwriting and availability. Actual payments, costs, terms, and eligibility require lender review.