Loan-to-Value
Requested loan divided by the stated property value. It measures leverage against collateral value.
LTV vs. LTC guide →BLUEPRINT COMMERCIAL DEAL ANALYZER
Pressure-test the numbers before the lender does.
Run a preliminary commercial real estate scenario across acquisition, refinance, bridge, value-add, ground-up construction or a detailed loan-request capital stack. See leverage, coverage, debt yield, sources-and-uses, max-loan constraints, funding gaps and refinance-exit metrics in one place.
FREE TOOLNO SIGN-INNO QUALIFICATION CLAIMSCRE FOCUSED
RUN THE DEAL
Choose the structure that matches the transaction.
Enter only the numbers needed for the scenario. Calculations stay in your browser; the analyzer does not submit a financing request or send your entered dollar amounts to our CRM.
ACQUISITION / REFINANCE
Value, cash flow and debt service.
Quick Leverage SliderSet the requested loan as a percentage of property value.
Changing the slider updates Loan Request. You can still type any loan amount manually.
BRIDGE / VALUE-ADD
Basis, rehab and exit leverage.
GROUND-UP CONSTRUCTION
Project cost, leverage and sponsor capital.
LOAN REQUEST / CAPITAL STACK
Break down exactly where every loan dollar goes.
The total loan request is calculated automatically as the sum of the uses above. This helps present a lender-ready sources-and-uses breakdown without manually forcing the total.
ADVANCED DEAL STRUCTUREMax proceeds · funding gap · exit refinance · lender-style snapshotOpen advanced analysis +
ADVANCED STRUCTURING
Find the constraint, close the gap and pressure-test the exit.
These modules are independent scenario tools. They do not determine eligibility or approval; they help organize the math a lender is likely to pressure-test.
01
Max Loan / Binding ConstraintCompare LTV, LTC and DSCR sizing.
Enter sizing assumptions.The analyzer will show the lowest proceeds constraint.
02
Sources & Uses / Funding GapBalance the entire capital stack.
USES
SOURCES
Build the stack.Total sources should equal total uses.
03
Exit / Refinance TestCan permanent proceeds retire the bridge?
Pressure-test the takeout.Enter stabilized assumptions and the projected payoff.
READ THE OUTPUT
The metric is only useful if you know what it means.
Commercial lenders rarely size a loan from one ratio alone. Property type, market, sponsor liquidity, experience, cash flow, basis, business plan and exit can materially change the structure.
Loan-to-Cost
Requested loan divided by total project cost. Common in construction and value-add underwriting.
See examples →Debt Service Coverage
NOI divided by annual debt service. It measures how much property cash flow covers modeled debt payments.
DSCR guide →Debt Yield
NOI divided by loan amount. It provides a rate-independent view of income relative to lender exposure.
Underwriting guide →NUMBERS LOOK INTERESTING?
Now send the actual deal.
The analyzer is educational. Send the current non-sensitive deal numbers into the Commercial Financing Quick Screen, then add the property, sponsor, timing and exit details.