Debt Yield Analysis
An annual comparison of property NOI with current or proposed debt, including editable target inverses and NOI sensitivity.
Generated Jul 19, 2026, 4:12 AM UTC · US market · USD
Key outputs
Deterministic results calculated from the assumptions below.
- Debt yield
- 10.00%
- Target status
- Meets entered target
- Required NOI at target
- $100,000
- Maximum loan amount at target
- $1,000,000
- NOI surplus or shortfall
- $0
- Loan amount difference
- $0
Scenario inputs
Values encoded in this report URL. Anyone with the URL can read them.
- Annual NOI
- $100,000
- Loan amount
- $1,000,000
- Target debt yield
- 10.00%
Assumption checks
Deterministic checks generated from this scenario's inputs and outputs.
Lender definitions and targets vary
Use the NOI convention, debt scope, and target required by the analysis or lender being reviewed. This result is not a loan-qualification decision.
NOI sensitivity
NOI changes while the entered loan amount and selected target remain fixed.
| NOI change | NOI | Debt yield | Maximum loan at target | Target status |
|---|---|---|---|---|
| -10.00% | $90,000 | 9.00% | $900,000 | Below target |
| -5.00% | $95,000 | 9.50% | $950,000 | Below target |
| Base | $100,000 | 10.00% | $1,000,000 | Meets target |
| +5.00% | $105,000 | 10.50% | $1,050,000 | Meets target |
| +10.00% | $110,000 | 11.00% | $1,100,000 | Meets target |
Modeled assumptions and limits
Read these boundaries before interpreting the result.
- NOI and the loan amount describe the same property and analysis scenario.
- The selected debt-yield target is an editable comparison assumption, not a lender requirement.
- Lender NOI conventions, lien scope, underwriting criteria, and qualification decisions are outside this calculation.
Formula reference
Transparent calculation method
Debt yield
Annual NOI ÷ Loan amount
The property NOI entered for the analysis divided by the current or proposed property loan amount. The ratio is unavailable when the loan amount is zero.
Required NOI at target
Loan amount × Target debt yield
The annual NOI that would exactly produce the selected debt-yield target for the entered loan amount.
Maximum loan amount at target
Annual NOI ÷ Target debt yield
The modeled loan amount that would exactly produce the selected target. It is unavailable when NOI is zero or negative.
NOI surplus or shortfall
Annual NOI − Required NOI
The difference between entered NOI and the NOI required at the selected target. A negative value is a shortfall.
Loan amount difference
Maximum loan amount at target − Entered loan amount
The modeled distance between the target-supported loan amount and the entered loan. A negative value means the entered loan exceeds that modeled amount.