My situation
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- Where
- Home price$
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How much commercial financing can I get?
Buying a store, warehouse, office or multi-unit rental? Lenders mainly check whether rent covers the payments (DSCR), then loan-to-value. Down payments are often 25–35%.
You could borrow up to about
$906,210
Limited by rental income (DSCR)
- Net operating income (NOI)Rent x (1 - vacancy) - operating costs$89,000
- Cap rate5.93%
- Loan allowed by DSCR$906,210
- Loan allowed by LTV$1,050,000
- Down payment neededAbout 39.6%$593,790
- Resulting DSCR1.25x
Estimate: commercial terms vary widely by property type, tenants, location and borrower experience; lenders also review leases, financial statements, appraisal and personal net worth.