Analyze a Property
How might property income, expenses, debt coverage, and vacancy affect the numbers?
Explore property tools →Calculate Smarter. Decide Better.
Analyze Investments. Evaluate Financing. Make Informed Decisions.
Explore real estate cash flow, debt coverage, acquisition financing, investment returns, and business performance with free calculators and practical explanations. Everyday finance, math, and health tools are here too.
What would you like to analyze?
Start with the decision in front of you, then explore the relevant calculations.
Evaluate Financing
Compare leverage, borrowing costs, and preliminary financing assumptions.
Explore financing tools →Analyze a Business
Examine acquisition financing, contingent payments, and operating economics.
Explore business tools →Featured analysis · interactive educational estimate
Quick Deal Check
Estimate debt coverage, property leverage and scheduled cash flow using five assumptions. This is not a lender assessment.
Enter property and loan assumptions
Amounts are US dollars. Inputs are not saved, transmitted, or added to the URL by this feature.
Deal metrics
Enter all five values and select Calculate to see results.
Loan-to-value (LTV)—
Debt yield—
Debt-service coverage (DSCR)—
Monthly debt service—
Annual debt service—
Annual before-tax cash flow after debt service—
Learn more: DSCR · Debt Yield · LTV/LTC · Loan
Assumes fixed nominal annual interest, equal fully amortizing monthly payments and user-entered annual NOI. NOI should account for relevant operating expenses, including property taxes and insurance, but exclude debt service. Annual before-tax cash flow is NOI minus scheduled debt service, not distributable investor cash; financing fees, capital expenditures, separately funded reserves and income taxes are not modeled. Illustrative preliminary calculations only. Not a loan offer, credit decision, appraisal, tax advice or investment recommendation.
Analyze real estate income and debt coverage
Explore property operating performance, cash flow, income-based valuation, and occupancy risks.
DSCR CalculatorCompare operating income with annual debt service.Cap Rate CalculatorRelate net operating income to property value.Cash-on-Cash ReturnAssess annual pre-tax cash flow relative to cash invested.Break-Even OccupancyExplore occupancy assumptions and operating costs.NNN Lease ProrationAllocate commercial lease operating expenses.
Explore borrowing structures and financing constraints
Compare leverage, debt yield, financing costs, and payment scenarios. Results do not establish lending eligibility.
LTV vs. LTC ReconcilerCompare collateral leverage with project cost.Debt Yield CalculatorRelate property NOI to loan principal.Hard Money CalculatorModel short-term funding costs.ARV & MAO CalculatorExplore after-repair value and offer assumptions.Loan CalculatorEstimate payment and amortization scenarios.Mortgage CalculatorReview residential financing assumptions.
Examine investment returns and distributions
Property yield, cash distributions, annualized returns, and payback answer different questions.
Evaluate business acquisition and operating scenarios
Explore purchase financing, contingent payments, equipment economics, and potential disruptions.
SBA 7(a) AcquisitionExplore business purchase funding scenarios.SBA 504 CalculatorModel eligible fixed-asset financing scenarios.Earn-Out CalculatorEvaluate contingent acquisition payments.Machinery ROI & PaybackCompare equipment costs and expected savings.Business InterruptionExplore disruption-related loss assumptions.
Go beyond the result
Use practical guides to understand assumptions, limitations, and tradeoffs before drawing conclusions.
Commercial lendingUnderstanding Commercial Loan MetricsExplore DSCR, debt yield, and leverage in context.Read guide →Property financingDSCR Loans for Real Estate InvestorsUnderstand how property income and borrowing interact.Read guide →Investment returnsCRE Equity Waterfall GuideLearn about preferred returns and distribution tiers.Read guide →
More: Mortgage Payment Guide · Reverse Mortgage Pros and Cons · Browse all guides
Explore the full calculator library
Browse the catalog across six established categories, from property financing and business analysis to personal finance, health, math and everyday tasks.
40 calculators total
Browse All Calculators →Clear calculations. Useful context. More informed questions.
Explore financial concepts using stated assumptions, explanatory resources, and tools designed to help you ask better questions.
Understand the measure
Learn what a metric is designed to show—and what it does not establish.
Compare your assumptions
Explore financing and operating scenarios in the individual calculators.
Read the guidance
Connect calculations with practical explanations and educational articles.
Review our Privacy Policy for information about site data practices. Calculator outputs are educational estimates, not professional, legal, tax, investment, or lending advice.