Educational underwriting tool
Commercial Bridge Loan Calculator
Test as-is leverage, total-cost leverage, debt yield, interest carry and a simple permanent-takeout sensitivity.
Enter the property assumptions
See how the bridge and exit interact
Use conservative current and stabilized inputs. The purpose is to identify questions—not to produce a lender decision.
Educational scenario only. It excludes extension fees, default interest, exit fees, legal, appraisal, title, environmental, insurance, reserves, taxes and other closing or operating costs. Values, NOI and takeout proceeds are not verified or guaranteed. It is not a quote, appraisal, approval or commitment to lend.
How to read the results
As-is LTV compares the loan with current property value. Total-cost leverage compares it with current basis plus entered capital improvements. Stabilized LTV compares it with the estimated future value.
Debt yield compares current annual NOI with the loan. It does not account for interest rate or amortization. A low current debt yield may be consistent with a transition, but it increases reliance on reserves and execution.
Takeout capacity is only stabilized value multiplied by the LTV you select. An actual permanent lender will also test NOI, DSCR, debt yield, property condition, sponsor and guidelines.
Clear answers
Commercial Bridge Calculator Questions
What does the bridge calculator estimate?
It estimates leverage ratios, debt yield, monthly interest-only payment, term interest plus points and an illustrative takeout capacity from the numbers you enter.
Is the result a loan quote?
No. It is educational and does not verify value, income, eligibility, costs, pricing or lender approval.
What is total-cost leverage?
For this simple model, it is the requested bridge loan divided by the entered current basis plus capital improvement budget.
Why can the takeout show a gap?
If the modeled permanent-loan capacity is below the bridge balance, the borrower may need more equity, a lower bridge loan, higher achieved value or NOI, another lender, more time or a sale.
Discuss the property
Start with a property-specific commercial bridge review
Share the asset, requested loan, current occupancy and NOI, capital plan, sponsor experience and exit. We will organize the scenario and identify participating-lender paths that may fit.
- Acquisition, refinance and value-add requests
- Multifamily, mixed-use, retail, office, industrial and hotel
- No obligation and no guarantee of approval