🇺🇸 Questo calcolatore è per residenti USA. Investitori stranieri →Calcolatore Investimento

Calcolatore Immobiliare Commerciale

NOI, Cap Rate, DSCR e Cash Flow — per residenti USA

Questo strumento è solo a scopo educativo e non costituisce consulenza finanziaria. Consulta un creditore o consulente finanziario autorizzato prima di prendere decisioni finanziarie.

Tipo di Immobile

Cap rate benchmark for Multifamiliare (5+ unità): 4–6%

Immobile a Reddito / InvestimentoGenera reddito da affitto. DSCR min. 1,25. No FHA/VA/USDA.

Prezzo di Acquisto

$200,000$20,000,000

Reddito Lordo Annuo

$10,000/yr$2,000,000/yr

Anticipo (%)

25%60%

Tasso d'Interesse (%)

5.000%15.000%

Ammortamento

Most commercial loans have a 5–10yr balloon payment regardless of amortization term.

DSCR0.541

Cap Rate4.46%

Cash Flow Mensile-$4,734/mo

NOI Annuale$67K/yr

Rendimento Cash-on-Cash-15.15%

Servizio Debito Mensile$10,314/mo

⚠️

DSCR 0.541 — below 1.25 commercial minimum

💵Min Annual Income to Qualify

$214K/yrCurrent: $120K/yr — gap: +$94K/yr

🏦Increase Down Payment

Try 35–40%Reduces debt service → improves DSCR

📉Reduce Expense Ratio

Try 35–37%Lower operating costs → higher NOI

📊Negotiate Lower Price

Reduce purchase priceSmaller loan → lower debt service → better DSCR

DSCR Analysis — Commercial

Below Min (1.25)

Gross Income/yr$120K

EGI/yr$112K

NOI/yr$67K

Debt Service/mo$10,314

0.01.25 (Min)1.35 (Best rates)2.0

Annual Income & Expense Breakdown

Potential Gross Income (PGI)+$120,000/yr

Vacancy Loss (7%)-$8,400/yr

Effective Gross Income (EGI)+$111,600/yr

Operating Expenses (40% of EGI)-$44,640/yr

Net Operating Income (NOI)+$66,960/yr

Annual Debt Service-$123,764/yr

Annual Cash Flow-$56,804/yr

Importo del Mutuo

$1.13M

LTV

7500.0%

Moltiplicatore del Reddito

12.50

Anticipo ($)

$375K