Mercury Capital Partners

Commercial Mortgage Calculator

Payment, DSCR, debt yield, and balloon balance for a commercial real estate loan — sized the way lenders underwrite, not a consumer payment widget.

How a commercial mortgage differs

Commercial loans rarely fully amortize. A loan might amortize over 30 years but carry a 10-year term — leaving a balloon balance due at maturity. Many also include an interest-only period up front, which lowers early payments but leaves more principal outstanding.

Amortization sets the payment · Term sets the balloon · IO defers principal

Because lenders size to the amortizing payment, that’s the figure we use for DSCR and debt yield — even when the loan pays interest-only at first.

What this means for your deal

A comfortable payment isn’t the same as a financeable one. Enter your NOI to see whether the loan clears typical DSCR and debt-yield thresholds — and use Loan Sizing to find the maximum the asset supports.

Find your maximum loan — Loan Sizing →
For
Income-producing commercial real estate loans — owners, developers, investors, and brokers.
Not for
Consumer mortgages, unsecured business loans, equipment financing, SBA loans, equity raises, or securities.