A 25-year amortization with a 10-year balloon
A commercial loan can amortize over 25 years but mature after 10. Monthly payments follow the longer schedule, while the unpaid principal becomes due or must be refinanced at maturity.
CommercialLoan • US commercial real estate estimate
CRECommercial Mortgage Calculator With DSCR & Balloon
Estimate a commercial property loan payment, annual debt service, DSCR and balloon balance.
Check your awardLoading, overtime and penalty-rate interactions can differ by award, agreement, age and shift.
Loaded casual hourly rate
$33.05$991.50 weekly gross pay$6.61 loading per hour$0.00 overtime pay
Estimate before tax, allowances and award-specific penalty rules.
Using this tool
Connect payment, NOI and balloon risk
Enter the property price, down payment, rate and amortization period. Add the balloon year and annual net operating income to estimate the remaining balloon balance and debt-service coverage ratio.
Reading the output
The maturity date can arrive before payoff
Debt service, DSCR and remaining balance
Loan amount equals price minus down payment. DSCR equals annual net operating income divided by annual principal-and-interest debt service. Balloon balance is the amortized balance at maturity.
Stress-test the refinance event
- Use lender-underwritten NOI rather than gross rent.
- Budget separately for closing costs, reserves and lender fees.
- Stress-test a higher refinance rate before relying on a balloon structure.
Before relying on the result
Commercial DSCR and balloon loans
What is a good commercial mortgage DSCR?
Requirements vary by property and lender. Many lenders look for a cushion above 1.0, but this calculator does not predict approval.
Why is there a balloon balance?
Commercial loans often mature before the full amortization schedule ends, leaving unpaid principal due at maturity.