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Commercial Mortgage Calculator

Commercial mortgage calculator.

Model any commercial mortgage in 30 seconds — payment, balloon, total interest. Handles 25/5, 25/7, 30/10, SBA 504, and bridge structures across owner-occupied, investment, and special-use CRE.

Monthly payment$11,085
Balloon at 5 yrs$1,375,988
Interest paid (5 yrs)$541,080
Total paid before balloon$665,092
How this works: Payments use standard amortization across the chosen schedule (often 25 or 30 years). The balloon is the remaining balance at the end of the term — most CRE loans require refinance or sale at this point. Excludes taxes, insurance, and reserves.
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See real commercial mortgage offers at $1,500,000.

We'll route your inputs to lenders that fund this profile and email the top 2–3 offers. No credit pull.

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FAQ

Commercial mortgage calculator, answered.

How is a commercial mortgage payment calculated?+

Standard amortization: M = P × (r(1+r)^n) / ((1+r)^n − 1), where P is loan amount, r is monthly rate, n is amortization in months. Most commercial mortgages amortize over 20–30 years but balloon in 5, 7, or 10 years — meaning you refinance or sell before the loan fully amortizes.

What's a typical commercial mortgage rate?+

Bank CRE: 6.5–8.5%. SBA 504: 6–7.5% (CDC portion fixed). Bridge / private: 8.5–13%. Life company / agency (Fannie/Freddie multifamily): 5.5–7%. Rates float over the corresponding index (Treasury, SOFR, or Prime) plus a spread.

What's the down payment on a commercial mortgage?+

Owner-occupied SBA 504: 10% (15% for startups). Conventional owner-occupied: 15–25%. Investment CRE: 25–35%. Special-use property (hotel, gas station, self-storage): 30–40%. Summit structures stacks (senior + mezz + seller) to reach 85–90% combined LTV.

What's the difference between amortization and term?+

Amortization is the schedule used to calculate the monthly payment (often 25–30 years). Term is how long the loan actually lasts before the balloon (often 5, 7, or 10 years). A 25/5 loan has 25-year amortization with a 5-year balloon — low payment, but refi risk.

What's a commercial mortgage DSCR?+

Debt Service Coverage Ratio = net operating income ÷ annual debt service. Lenders typically require 1.20–1.30x for stabilized CRE and 1.25x+ for owner-occupied. Below 1.20x usually means the deal needs more equity, a lower rate, or a longer amortization.