Calculators > Retail Loan Sizer

If you are currently looking into making an investment in an income
producing property such as a retail building, we suggest that you try our
mortgage calculators perfect for this type of investment. Commercial finance
is all based on the real estate and by plugging in the correct numbers you
can get a good idea of what type of loan a property will support. To speak
with us directly, please call us at (818) 343-5544.

Retail Loan Sizer

100% Gross Potential Income(1) $
100% CAM Reimbursement $
  Total Operating Income $
Less Vacancy and Uncollectables(2) $
  Effective Gross Income $
     
Less Expenses(3)  
  Taxes $
  Insurance $
  Utilities $
  Management(8) $
  Trash $
  Maintenance & Repairs $
  Parking Lot Control $
  Administrative $
  Miscellaneous $
  Total Operating Expenses $ % of TOI
     
Net Operating Income $
Less  
  Total Sq Ft    Sq.Ft.
  Capital Reserves(4) $
  Tenant Improvement Reserves(5) $
  Leasing Commission Reserves(6) $
  Total Below Line Expense $
Cash Flow Available to Service Debt $
     
     
Calculator  
  Interest Rate    %
  Repayment Schedule(years)    years
  Debt Service Coverage(7)             
  Loan Amount $
Definitions
1. Sum of all actual income assuming 100% occupancy
2. Input actual vacancy and uncollectabes. If input is less than 5% of Gross Potential Income, model will automatically defaut to greater number.
3. Input actual expenses with necessary adjustments for Taxes and Insurance. Use Miscellaneous as a catch all.
4. Input actual management expenses. If input is less than 5% of Effective Potential Income, model will automatically defaut to greater number.
5. Use greater of $250/door or actual
6. Defaults to 1.2 times