NOI, cap rate & coverage
Commercial & Multifamily Calculator
Commercial debt starts and ends with net operating income. Build the NOI, see the cap rate, then see the largest loan the coverage test will actually support.
Your numbers
Income
Debt & cash flow
Max loan by coverage test
Below 1.20x — needs more down or higher NOI
Estimates only, based on the numbers you entered. Not a quote, offer, or commitment to lend. Actual terms come from a licensed Capital Partner after underwriting.
Brokers & lenders: these tools are free to share with your own clients — no login, no lead capture.
Join the partner network →Estimates are a starting point
Want someone to run your real numbers?
These calculators use the rate you typed in. A licensed Capital Partner can price your actual file — real rate, real leverage, real cash to close — and tell you what a lender will genuinely do with it.
- 1Ask Sarah — no credit check at allTell her the deal. Nothing is pulled, nothing is dinged. She scores the scenario and finds the right desk.
- 2Soft look at pre-qualificationA Capital Partner can review a self-reported or soft-pull credit range to confirm the program fits. Soft inquiries don't affect your score.
- 3Hard pull only when you say goA hard inquiry happens at formal application, with your written authorization, once you actually want terms issued. Never before.
- 4Come back whenever you're readyWe keep your scenario on file. Get your credit verified next week or next quarter, come back, and we pick up exactly where you left off — no re-typing.
The Capital Connector is a matching network, not a lender or credit bureau. Credit decisions and any inquiries are made by the independent licensed partner you choose to work with.