Commercial Lender Dashboard
All-in-one loan analysis. Enter deal parameters to calculate DSCR, LTV, Debt Yield, and maximum loan amounts.
Frequently Asked Questions
What is the standard DSCR for commercial loans?
1.25x is the industry standard minimum. Some lenders may go down to 1.20x for strong assets, while others want 1.35x+.
What is the difference between Recourse and Non-Recourse?
Recourse means you personally guarantee the loan. Non-recourse means the lender can only seize the collateral (property) if you default, not your personal assets.
How does "Bad Boy Carve-out" work?
Even in non-recourse loans, "bad acts" like fraud, waste, or misappropriation of funds will trigger full personal recourse.
What is a Debt Yield requirement?
Debt Yield (NOI / Loan Amount) protects the lender if values drop. Many CMBS lenders require a minimum 9-10% Debt Yield regardless of DSCR.
Do lenders look at Global Cash Flow?
Yes. Community banks often look at your personal income and other properties ("Global Cash Flow") to ensure you can support the property if it struggles.