Engine C — NOI based

CRE Loan & Deal Snapshot — DSCR, debt yield, cap, CoC from NOI before you shop lenders

Commercial DSCR is NOI ÷ annual debt service. Not residential rent ÷ PITIA. Rate is your estimate — not a quote. Not a credit decision. Business purpose / no owner-occupied.

DSCR ~1.20–1.35
DY ~8–10%
LTV ~60–75%

Educational chips — not GI policy. Ungated math. Estimates only. Broker, not a lender.

NOI

How you are entering NOI

Annual NOINet operating income. Not rent ÷ PITIA. Not a W-2 story.

Asset and loan

Purchase price / value

Loan input

Loan amount

Financing estimate

Interest rate estimate (%)Your number — not a quote from this desk and not a lock.

Amort term (years)IO years (optional)0 = amortizing from day one. Current ADS is IO if > 0.

Educational max-loan targets

Labeled assumptions. Not GI policy. Used only for the optional MIN(LTV, DSCR, DY) illustration.

DSCR targetDY target %LTV target %

Results appear here

Still need NOI, price, loan, rate estimate. Ungated. Estimates only. Broker, not a lender.