Calculadora hipotecaria comercial Canadá
Modele capital e intereses, monto del préstamo, LTV y ratio de cobertura del servicio de la deuda (DSCR) para propiedades comerciales.
Datos de la propiedad comercial
25.0% del valor
$9,156
$1,500,000
75.0%
$109,870
1.64x
Cumple el mínimo típico de 1.20x
Los prestamistas comerciales califican por flujo de la propiedad.
Obtenga una cotización personalizada para su propiedad comercial.
Reservar una llamada — DSCR 1.64Guarde sus números — le enviaremos los resultados y un especialista puede revisar su operación.
LendCity™ Mortgages
Ready to take the next step?
This Commercial Mortgage Calculator is just the beginning. Our team of specialists is ready to help you structure your next deal for maximum growth and cash flow.
Contact Information
+1 (226) 783-1640
scott@lendcity.ca
4769 Wyandotte St E
Windsor, ON N8Y 1H8
lendcity.ca
Conventional vs CMHC execution
20–25 years
Up to 40 years
Up to 50 years
How this commercial calculator works
Enter value, down payment, rate, amortization, and annual NOI — or upload a T12 / rent roll and let AI fill the fields. Results are a screen, not a term sheet.
-
Set the loan
Property value and down payment set loan amount and LTV.
-
Set the debt
Rate and amortization produce Canadian semi-annual P&I.
-
Test DSCR
Annual NOI divided by annual P&I. Most A-lenders want 1.20x+.
Conventional commercial versus CMHC MLI
This tool models a conventional commercial first mortgage on property cash flow. Five-plus unit rentals may also have an insured CMHC path with different LTV, amortization, and min DCR.
-
Conventional commercial
Banks, credit unions, and alternative lenders. Qualification is NOI versus debt service, plus sponsor net worth and experience.
-
CMHC MLI (5+ residential units)
Insured multifamily. MLI Select min DCR is 1.10. MLI Standard is 1.30 on a 5-year term and 1.20 on a 10-year term. Size those files on the MLI calculators.
Loan, payment, LTV, and DSCR
NOI must be net of vacancy and operating expenses. If you only have gross rent, upload a T12 so taxes and insurance are not guessed.
-
Loan amount
Value × (1 − down payment %). · Value − down payment
-
Monthly P&I
Canadian mortgages compound semi-annually, not monthly like a US loan. · Semi-annual compounding P&I
-
LTV
Loan divided by value. Lenders may use the lesser of price and appraisal. · Loan / value
-
DSCR
NOI / annual P&I. Below 1.20x usually needs more equity, a longer amort, or a CMHC path. · NOI / annual debt service
Worked example (illustrative)
$2,000,000 value, 25% down, 5.50% / 25 years, $180,000 NOI. Teaching case only.
| Loan / LTV | $1,500,000 · 75% |
|---|---|
| What to test | Does $180,000 NOI clear 1.20x on that P&I? |
| If DSCR fails | More down, lower price, or size on the MLI calculator if 5+ units |
Rates move. Pair this page with the commercial mortgage rates hub before you treat the payment as current.
Related tools & guides
next steps
- Commercial mortgage rates
Live CMHC and conventional ranges
- CMHC MLI max loan
Insured 5+ unit sizing
- Canada DSCR calculator
1–4 unit and small commercial DCR
- CMHC premium calculator
July 2025 insurance grid
- CMB rates
Bond benchmark behind many commercial prices
- Book a strategy call
Get a lender-ready quote
Calificación y DSCR
Explore nuestras preguntas más frecuentes a continuación.
Calificación y DSCR
Tasas y seguro CMHC
“If anyone is looking for a mortgage broker, I highly recommend Chris Micucci! Chris was an invaluable resource to me as a first time US investor. He was super…”
“Lendcity is the best mortgage broker for real estate investors. I was first referred to Scott Dillingham (president) when I had 5 investment properties and was…”
“This is a review hard to put into words, mainly because LendCity™ (specifically Kristen and Scott) surpassed expectations to the Nth degree. I'd rate them 10…”
“I had a difficult situation for a great investment property, no one in the city could figure it out. Lendcity stepped in and put me on the path to purchase my…”
“Scott and his team at LendCity™ Mortgages have been nothing but helpful and fast at getting me a mortgage loan. They are a knowledgeable group that helped me…”
“Scott and the staff at Lendcity worked hard to provide us investment property financing! When the told us no, we went to Lendcity and received financing at…”
¿Tiene capital para poner a trabajar?
LendCity™ conecta proveedores de capital con hipotecas privadas garantizadas y alianzas de desarrollo — aparte de pedir financiamiento para su próxima compra.