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Informational purposes only. Not investment, financial, legal, or tax advice. Model outputs are illustrative estimates.

RefiScope · Commercial Coverage Test

Will this property refinance?

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Coverage at the full balance due —
0.00x
0.00x0.50x1.00x1.50x2.00x

The property & the loan

Net operating income
Balance due at maturity
Market cap rate
New loan rate
Amortization
Lender minimum DSCR
Lender maximum LTV

How the lender sizes it

Appraised value (NOI ÷ cap rate)
Annual debt service constant
Sized on value (LTV cap)
Sized on income (DSCR cap)
Maximum new loan
Balance due at maturity
Cash required to close

Simplified model for illustration. Real underwriting applies vacancy and reserve adjustments to NOI, varies the constant by loan program, and prices rate off credit spreads that move with the benchmark. Not financial advice — run any real transaction past your lender and advisors.