Commercial mortgage calculator
Estimate the largest loan an income property could support based on its net operating income, a debt service coverage target and a loan-to-value limit.
Mortgage rules last reviewed: September 29, 2026
Example rate
Debt service coverage ratio: how many times the net income covers the mortgage payments.
- Loan supported by income (1.25x DSCR)
- $2,188,161
- Loan at 75% of value
- $2,250,000
- Which limit applies
- Income (DSCR) is the limit
- Monthly payment at the maximum loan
- $14,000.00
- DSCR at the maximum loan
- 1.25x
- Cap rate (NOI ÷ value)
- 7.00%
For illustration only. Not a rate quote, approval or pre-qualification.
How this is calculated
- DSCR (debt service coverage ratio) is how many times the property's net operating income covers the mortgage payments. Lower loan amounts give a higher DSCR.
- Lender DSCR and loan-to-value requirements vary by property type and location. Some multi-unit residential programs allow higher leverage and longer amortizations.
- This is an estimate, not an approval. The rate shown is an example only.
Calculator disclaimer
Calculators are provided for general informational and illustrative purposes only.
Results are estimates and may not reflect lender-specific qualification requirements, mortgage-insurance premiums, taxes, fees, available products, payment calculations or other transaction costs.
Calculator results do not constitute:
- Mortgage approval
- Pre-approval
- A rate commitment
- A lending commitment
- Financial advice
- Tax advice
- Or legal advice
Mortgage rules, rates and lender requirements can change.
For advice about your specific circumstances, speak with the appropriate licensed professional.
But how does this apply to your business income?
This calculator estimates the numbers you entered. How a lender treats your salary, dividends or business income is a separate question, and it's the one the Mortgage Readiness Review looks at first.