🇺🇸 Esta calculadora es para residentes de EE.UU. Inversionistas extranjeros →Calculadora de Inversión

Calculadora Comercial

NOI, Cap Rate, DSCR y Flujo de Efectivo — para residentes de EE.UU.

Esta herramienta es solo para fines educativos y no constituye asesoramiento financiero. Consulta con un prestamista o asesor financiero certificado antes de tomar decisiones financieras.

Tipo de Propiedad

Cap rate benchmark for Multifamiliar (5+ unidades): 4–6%

Propiedad de Inversión / RentaGenera ingresos por renta. DSCR mín. 1.25. Sin FHA/VA/USDA.

Precio de Compra

$200,000$20,000,000

Ingreso Bruto Anual

$10,000/yr$2,000,000/yr

Pago Inicial (%)

25%60%

Tasa de Interés (%)

5.000%15.000%

Plazo de Amortización

Most commercial loans have a 5–10yr balloon payment regardless of amortization term.

DSCR0.541

Cap Rate4.46%

Flujo Mensual-$4,734/mo

NOI Anual$67K/yr

Retorno sobre Efectivo-15.15%

Servicio de Deuda Mensual$10,314/mo

⚠️

DSCR 0.541 — below 1.25 commercial minimum

💵Min Annual Income to Qualify

$214K/yrCurrent: $120K/yr — gap: +$94K/yr

🏦Increase Down Payment

Try 35–40%Reduces debt service → improves DSCR

📉Reduce Expense Ratio

Try 35–37%Lower operating costs → higher NOI

📊Negotiate Lower Price

Reduce purchase priceSmaller loan → lower debt service → better DSCR

DSCR Analysis — Commercial

Below Min (1.25)

Gross Income/yr$120K

EGI/yr$112K

NOI/yr$67K

Debt Service/mo$10,314

0.01.25 (Min)1.35 (Best rates)2.0

Annual Income & Expense Breakdown

Potential Gross Income (PGI)+$120,000/yr

Vacancy Loss (7%)-$8,400/yr

Effective Gross Income (EGI)+$111,600/yr

Operating Expenses (40% of EGI)-$44,640/yr

Net Operating Income (NOI)+$66,960/yr

Annual Debt Service-$123,764/yr

Annual Cash Flow-$56,804/yr

Monto del Préstamo

$1.13M

LTV

7500.0%

Multiplicador de Renta

12.50

Pago Inicial ($)

$375K