Educational refinance tool
Commercial Refinance & Cash-Out Calculator
Test equity, gross and net cash-out, proposed LTV, payment, DSCR, debt yield and maturity timing.
Enter current property and debt assumptions
See how payoff, proceeds and coverage interact
Use conservative inputs. The purpose is to identify questions—not to produce a lender decision.
Educational scenario only. Gross cash-out equals the requested new loan minus the current payoff; estimated net cash-out also subtracts the cost assumption. Results exclude escrows, reserves, prepayment charges, taxes, legal, appraisal, title, environmental and other items. NOI, value, pricing, amortization and proceeds are unverified. This is not a quote, appraisal, approval or commitment to lend.
How to read the results
Current equity is estimated value minus payoff. Gross cash-out is the requested new loan minus payoff. The calculator subtracts only your simplified cost percentage to estimate net cash-out.
LTV compares the proposed loan with current value. DSCR compares NOI with estimated annual principal and interest. Debt yield compares NOI directly with the requested loan.
An actual lender may use different NOI, value, rate, amortization, reserves or expense assumptions. Some programs use interest-only periods; this tool models amortizing principal and interest.
Clear answers
Commercial Refinance Calculator Questions
What does the refinance calculator estimate?
It estimates current equity, gross cash-out, simplified net cash-out, proposed LTV, payment, DSCR and debt yield from the numbers you enter.
Is the result a loan quote?
No. It is educational and does not verify value, income, eligibility, costs, pricing or lender approval.
How is gross cash-out calculated?
Gross cash-out is the requested new loan minus the current payoff. Net cash-out is lower after costs, reserves, escrows and other items.
What is the difference between DSCR and debt yield?
DSCR compares NOI with annual debt service. Debt yield compares NOI directly with the loan amount and does not use interest rate or amortization.
Discuss the existing loan
Start with a property-specific refinance review
Share the property, current payoff, maturity, value, requested loan and purpose. We will organize the scenario and identify participating-lender paths that may fit.
- Rate-and-term, maturity and cash-out requests
- Commercial assets plus eligible 1–4 unit rentals
- No obligation and no guarantee of approval