Commercial Mortgage Calculator Canada
Model principal & interest, loan amount, LTV, and debt service coverage ratio (DSCR) for commercial investment properties. Pair with our live rate hub for current CMHC and conventional ranges.
View live commercial mortgage ratesCommercial Property Inputs
25.0% of value
Monthly P&I payment
$9,156
Loan amount
$1,500,000
LTV
75.0%
Annual debt service
$109,870
DSCR
1.64x
Meets typical 1.20x DSCR minimum
Commercial lenders qualify on property cash flow, not personal income.
Get a custom rate quote for your commercial property.
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Commercial mortgage calculator
Browse our most frequently asked questions below.
Commercial mortgage calculator
Most A-lenders require DSCR of 1.20x or higher for conventional commercial mortgages. CMHC MLI Standard allows 1.10x. Stronger cash flow (1.30+) typically earns tighter rate spreads.
This calculator models the loan on property value minus down payment. CMHC MLI premiums are added to the loan balance on insured deals — use our CMHC MLI Max Loan Calculator for insured multifamily quotes.
Check our commercial mortgage rates hub for current CMHC (4.25–5.25%) and conventional (5.0–6.5%) ranges. Fixed commercial rates track Canada Mortgage Bond yields plus a lender spread.
Still have questions? Talk to an expert.
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