Commercial Mortgage Calculator 2025
Calculate commercial mortgage payments, loan-to-value ratios, and debt service coverage for investment properties. Get instant quotes from top commercial lenders.
What is a Commercial Mortgage?
A commercial mortgage is a loan used to purchase or refinance commercial real estate properties such as office buildings, retail centers, apartment complexes, or industrial warehouses. Unlike residential mortgages, commercial loans have different terms, rates, and requirements.
Key Metrics
- • Loan-to-Value (LTV) Ratio
- • Debt Service Coverage Ratio (DSCR)
- • Interest Rate (typically 6-9%)
- • Loan Term (5-25 years)
Requirements
- • 20-30% down payment typical
- • Strong credit score (700+)
- • Proof of income/cash flow
- • Professional appraisal
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$
$
17% down payment
$
Current commercial rates: 6.5% - 9.5%
Commercial Loan Results
Monthly Payment
$0
Total Interest
$0
Total Payment
$0
Loan-to-Value
0%
Excellent LTV
Est. DSCR
0
Needs Improvement
Ready to Apply?
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How Commercial Mortgages Work
- •Higher Down Payments: Typically 20-30% minimum
- •Shorter Terms: Usually 10-25 years vs 30 for residential
- •Higher Rates: 1-2% above residential mortgage rates
- •DSCR Requirements: Minimum 1.20-1.25x debt coverage
📚 Complete Commercial Mortgage Guide
Learn everything about commercial mortgages, rates, requirements, and approval strategies in our comprehensive guide.
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