How is the combined maximum loan selected?
The calculator finds separate maximums under the selected LTV, Debt Yield, and DSCR assumptions, then uses the lowest amount. Constraints equal at displayed cent precision are shown together.
US · USDTransparent educational estimate
Maximum Loan Amount Calculator
Estimate the largest modeled first mortgage supported simultaneously by selected LTV, Debt Yield, and DSCR assumptions. Review each limit, the binding constraint, payment capacity, and any balance remaining at maturity.
What this baseline models
- One shared property value and annual NOI
- Simultaneous LTV, Debt Yield, and DSCR limits
- Fixed-rate amortizing payment inversion
- Binding constraint and balloon disclosure
Public calculator · no account required
Size a loan under three constraints
Size a loan under three constraints
Size one fixed-rate amortizing first mortgage under simultaneous LTV, Debt Yield, and DSCR assumptions. Targets are editable analysis inputs, not lender requirements.
Combined modeled maximum
$977,264.51
Lowest modeled LTV, Debt Yield, and DSCR limit
Binding modeled constraint
DSCR
Constraint producing the combined limit
LTV-supported maximum
$1,050,000.00
Property value multiplied by selected maximum LTV
Debt-Yield-supported maximum
$1,000,000.00
Annual NOI divided by selected Debt Yield target
DSCR-supported maximum
$977,264.51
Supported monthly P&I inverted to principal
Balance at loan maturity
$843,480.42
Estimated balance after scheduled payments through the term
Combined loan detail
Payment capacity and modeled ratios at the lowest of the selected LTV, Debt Yield, and DSCR limits.
- Maximum annual DSCR debt service
- $80,000.00
- Maximum monthly DSCR payment
- $6,666.67
- Modeled LTV at combined maximum
- 69.80%
- Modeled Debt Yield at combined maximum
- 10.23%
- Modeled DSCR at combined maximum
- 1.25×
- Monthly P&I at combined maximum
- $6,666.67
- Annual debt service at combined maximum
- $80,000.00
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Assumption checks
Deterministic checks based only on this scenario's inputs and outputs.
A balloon balance remains at maturity
The selected term is shorter than the amortization period, leaving a modeled balance due or subject to refinancing.
Lender definitions and requirements vary
Value, NOI, debt scope, stress rate, amortization, reserves, and thresholds can differ. This educational result is not qualification, approval, pricing, or a commitment to lend.
Interest-rate sensitivity
Each row reruns the same engine while shifting the fixed annual interest rate by 0.50 and 1.00 percentage points. LTV and Debt Yield limits remain fixed.
Interest-rate sensitivity details
| Rate shift | Interest rate | DSCR limit | Combined maximum | Binding |
|---|---|---|---|---|
| -1.00 pp | 6.25% | $1,082,748.16 | $1,000,000.00 | Debt Yield |
| -0.50 pp | 6.75% | $1,027,857.88 | $1,000,000.00 | Debt Yield |
| Base | 7.25% | $977,264.51 | $977,264.51 | DSCR |
| +0.50 pp | 7.75% | $930,562.91 | $930,562.91 | DSCR |
| +1.00 pp | 8.25% | $887,390.26 | $887,390.26 | DSCR |
Formula reference
Every output is explainable
Money is displayed in USD and rates are entered as percentages where applicable. Formula version maximum-loan-amount@1.0.0 stays attached to the result.
LTV-supported maximum loan
Property value × Maximum LTV
This is the proposed first-mortgage principal supported by the selected property value and LTV assumption.
Debt-Yield-supported maximum loan
Annual NOI ÷ Target Debt Yield
This reuses debt-yield@1.0.0. A positive target cannot support a positive modeled loan when NOI is zero or negative.
DSCR-supported annual debt service
Annual NOI ÷ Target DSCR
This is the annual principal-and-interest debt service that would exactly meet the selected DSCR target.
DSCR-supported loan principal
Monthly payment × (1 - (1 + Monthly rate)^(-Months)) ÷ Monthly rate
The standard fixed-rate payment formula is reversed using the selected interest rate and amortization period. At 0% interest, principal equals monthly payment multiplied by months.
Combined modeled maximum loan
Minimum of LTV, Debt Yield, and DSCR maximum loan amounts
The lowest modeled limit binds. Constraints equal at displayed cent precision are reported together in LTV, Debt Yield, then DSCR order.
Estimated balance at loan maturity
Original principal grown through the term - Scheduled principal-and-interest payments
When the loan term is shorter than the amortization period, this is the modeled principal still due at maturity. It is a disclosure, not another sizing constraint.
Example scenario
Three constraints, one modeled maximum
The editable example uses a $1,400,000 property, $100,000 annual NOI, 75% LTV, 10% Debt Yield, 1.25x DSCR, a 7.25% rate, 30-year amortization, and 10-year term. DSCR binds at $977,264.51; the values are examples, not lender benchmarks.
Open the example in the calculatorProperty value
$1,400,000
Annual NOI
$100,000
Combined maximum
$977,264.51
Binding constraint
DSCR
FAQ
Common questions
Why do loan term and amortization use separate inputs?
Amortization controls the monthly principal-and-interest payment used for DSCR sizing. A shorter loan term leaves an estimated balance due at maturity, which the calculator discloses as a balloon.
Does this model an interest-only loan?
No. Version 1 uses a level-payment amortizing schedule. Interest-only underwriting varies, so use the lender's required as-if amortizing rate and amortization rather than a temporary interest-only payment.
Does this amount mean I qualify for a loan?
No. It is an educational property-level estimate using your selected assumptions. Lenders may adjust value, NOI, debt scope, stress rate, reserves, borrower requirements, and product eligibility.
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