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Tools · Commercial 5+ unit

Commercial 5+ Unit DSCR

Analyze multifamily underwriting economics. Calculates Effective Gross Income (EGI), Net Operating Income (NOI), and verifies expense-ratio minimums.

How to use: set the rent roll, vacancy and operating expenses on the left, then size the loan. The coverage verdict and the income statement update as you type.

Commercial Multi-Family Line Art
5+ Unit Multi-Family
Mixed-Use Retail Storefront Line Art
Mixed-Use Commercial
How the number is built
01
Effective Gross Income
Gross scheduled rent, less vacancy and collection loss.
02
Net Operating Income
EGI less operating expenses — taxes, insurance, management, maintenance, reserves.
03
Debt service coverage
Annual NOI divided by annual debt service on a 30-year amortization.
04
Expense-ratio sanity
OpEx as a share of EGI, checked against the 35–45% commercial norm.
Live underwriting

This deal covers its debt service but sits under the 1.25x floor.

8 units · $12,000/mo gross scheduled rent · $1,000,000 at 7.5%.

Deal inputs

Everything recalculates as you drag — nothing to submit.

Income & operations
Unit Count8
Gross Scheduled Rent /mo$12,000
Vacancy & Collection Loss %5%
Operating Expenses /mo$4,000
Debt
Target Loan Amount$1,000,000
Interest Rate7.5%
Held fixed
30-year amortization · 1.25x minimum DSCR floor
Underwriting conclusion
1.06xDSCRMARGINAL
0.00x1.25x floor
Monthly income statement
Effective Gross Income (EGI)$11,400/mo
Operating Expenses$4,000/mo
Net Operating Income (NOI)$7,400/mo
Annual Debt Service$83,906/yr
Expense ratio35.1%
0%35–45% commercial norm
Assumptions & limits
Held fixed

Debt service is sized on a 30-year amortization and measured against a 1.25x minimum DSCR floor. Vacancy, expenses and rate are yours to set.

Expense-ratio check

Commercial 5+ unit properties typically require 35–45% OpEx. Below 30% the tool flags the file so tax, insurance, management and reserve line items get verified.

Not a commitment

Indicative only, and subject to full underwriting. Not a rate lock or credit approval.