5–25u Multifamily · Structural Underwriting Calculator · azcarcrashhelp.com

5–25+ Unit Commercial Debt Yield, Cap Rate, NOI & Breakeven DSCR Stress-Tester

Compute Commercial Net Operating Income (NOI), Cap Rate, Debt Yield (NOI ÷ Loan Amount), and maximum supportable loan size at 8.5%, 9.0%, and 9.5% institutional debt-yield floors.

Direct Answer · Debt Yield & Cap Rate Underwriting Rule

For 5–25+ unit commercial multifamily and mixed-use properties, wholesale lenders size maximum loan proceeds by the most conservative of three constraints: Maximum LTV (70%–75%), Minimum NOI DSCR (1.20x–1.25x), and Minimum Debt Yield (NOI ÷ Loan Amount ≥ 8.5%–9.5%).

5. 5–25u Commercial Debt Yield & Cap Rate Stress-Tester

Gross Potential Annual Rent ($/yr)

Vacancy Factor (%)

Operating Expense (%)

Requested Commercial Loan Amount ($)

Property Value / Purchase Price ($)

Underwritten Annual NOI

$111,150/yr

Implied Cap Rate: 6.95%

Implied Debt Yield (NOI ÷ Loan)

9.67%

Implied LTV: 71.9%

Max Loan @ 9.0% Debt Yield

$1,235,000

8.5% DY: $1,307,647 | 9.5% DY: $1,170,000

Want Loan Daddy LLC (NMLS #2827624) to Run Your Exact Deal Across 50+ Wholesale Shelves?

Compliance Note: Educational structural underwriting models only; zero interest rates, APRs, or points are quoted. Loan Daddy LLC (NMLS #2827624 · AZ CMB #CMB-2016143 · (480) 485-1229) is a mortgage broker, not a lender.

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