Commercial Real Estate Calculator

Professional tool for commercial real estate loan analysis and investment evaluation

Property Details

Property Purchase Price

Annual Rental Income

Annual Operating Expenses

Down Payment

Annual Interest Rate

Loan Term

years

Financial Metrics

DSCR

1.96

Excellent

CAP RATE

10.60%

Strong

LTV

70.0%

Moderate

NOI

$53000.00

Net Operating Income

Loan Details

Loan Amount$350000.00

Down Payment$150000.00 (30%)

Monthly Payment$2255.05

Annual Debt Service$27060.66

Investment Assessment

High Feasibility

DSCR meets standards, cash flow is sufficient. This property shows strong investment potential with healthy debt coverage.

Loan Payment Schedule

Detailed breakdown of your commercial real estate loan payments

Month	Payment ($)	Principal ($)	Interest ($)	Remaining Balance ($)
1	2255.05	505.05	1750.00	349494.95
2	2255.05	507.58	1747.47	348987.36
3	2255.05	510.12	1744.94	348477.25
4	2255.05	512.67	1742.39	347964.58
5	2255.05	515.23	1739.82	347449.35
6	2255.05	517.81	1737.25	346931.54
7	2255.05	520.40	1734.66	346411.14
8	2255.05	523.00	1732.06	345888.14
9	2255.05	525.61	1729.44	345362.53
10	2255.05	528.24	1726.81	344834.29
11	2255.05	530.88	1724.17	344303.40
12	2255.05	533.54	1721.52	343769.86
13	2255.05	536.21	1718.85	343233.66
14	2255.05	538.89	1716.17	342694.77
15	2255.05	541.58	1713.47	342153.19
16	2255.05	544.29	1710.77	341608.90
17	2255.05	547.01	1708.04	341061.89
18	2255.05	549.75	1705.31	340512.15
19	2255.05	552.49	1702.56	339959.65
20	2255.05	555.26	1699.80	339404.39
21	2255.05	558.03	1697.02	338846.36
22	2255.05	560.82	1694.23	338285.54
23	2255.05	563.63	1691.43	337721.91
24	2255.05	566.45	1688.61	337155.47
25	2255.05	569.28	1685.78	336586.19
26	2255.05	572.12	1682.93	336014.06
27	2255.05	574.98	1680.07	335439.08
28	2255.05	577.86	1677.20	334861.22
29	2255.05	580.75	1674.31	334280.47
30	2255.05	583.65	1671.40	333696.82
31	2255.05	586.57	1668.48	333110.25
32	2255.05	589.50	1665.55	332520.74
33	2255.05	592.45	1662.60	331928.29
34	2255.05	595.41	1659.64	331332.88
35	2255.05	598.39	1656.66	330734.49
36	2255.05	601.38	1653.67	330133.11
37	2255.05	604.39	1650.67	329528.72
38	2255.05	607.41	1647.64	328921.31
39	2255.05	610.45	1644.61	328310.86
40	2255.05	613.50	1641.55	327697.36
41	2255.05	616.57	1638.49	327080.79
42	2255.05	619.65	1635.40	326461.14
43	2255.05	622.75	1632.31	325838.39
44	2255.05	625.86	1629.19	325212.53
45	2255.05	628.99	1626.06	324583.53
46	2255.05	632.14	1622.92	323951.40
47	2255.05	635.30	1619.76	323316.10
48	2255.05	638.47	1616.58	322677.62
49	2255.05	641.67	1613.39	322035.96
50	2255.05	644.88	1610.18	321391.08
51	2255.05	648.10	1606.96	320742.98
52	2255.05	651.34	1603.71	320091.64
53	2255.05	654.60	1600.46	319437.05
54	2255.05	657.87	1597.19	318779.18
55	2255.05	661.16	1593.90	318118.02
56	2255.05	664.46	1590.59	317453.55
57	2255.05	667.79	1587.27	316785.77
58	2255.05	671.13	1583.93	316114.64
59	2255.05	674.48	1580.57	315440.16
60	2255.05	677.85	1577.20	314762.30
61	2255.05	681.24	1573.81	314081.06
62	2255.05	684.65	1570.41	313396.41
63	2255.05	688.07	1566.98	312708.34
64	2255.05	691.51	1563.54	312016.82
65	2255.05	694.97	1560.08	311321.85
66	2255.05	698.45	1556.61	310623.41
67	2255.05	701.94	1553.12	309921.47
68	2255.05	705.45	1549.61	309216.02
69	2255.05	708.97	1546.08	308507.05
70	2255.05	712.52	1542.54	307794.53
71	2255.05	716.08	1538.97	307078.45
72	2255.05	719.66	1535.39	306358.78
73	2255.05	723.26	1531.79	305635.52
74	2255.05	726.88	1528.18	304908.65
75	2255.05	730.51	1524.54	304178.13
76	2255.05	734.16	1520.89	303443.97
77	2255.05	737.84	1517.22	302706.13
78	2255.05	741.52	1513.53	301964.61
79	2255.05	745.23	1509.82	301219.38
80	2255.05	748.96	1506.10	300470.42
81	2255.05	752.70	1502.35	299717.72
82	2255.05	756.47	1498.59	298961.25
83	2255.05	760.25	1494.81	298201.00
84	2255.05	764.05	1491.01	297436.95
85	2255.05	767.87	1487.18	296669.08
86	2255.05	771.71	1483.35	295897.37
87	2255.05	775.57	1479.49	295121.80
88	2255.05	779.45	1475.61	294342.36
89	2255.05	783.34	1471.71	293559.02
90	2255.05	787.26	1467.80	292771.76
91	2255.05	791.20	1463.86	291980.56
92	2255.05	795.15	1459.90	291185.41
93	2255.05	799.13	1455.93	290386.28
94	2255.05	803.12	1451.93	289583.16
95	2255.05	807.14	1447.92	288776.02
96	2255.05	811.17	1443.88	287964.84
97	2255.05	815.23	1439.82	287149.61
98	2255.05	819.31	1435.75	286330.30
99	2255.05	823.40	1431.65	285506.90
100	2255.05	827.52	1427.53	284679.38
101	2255.05	831.66	1423.40	283847.72
102	2255.05	835.82	1419.24	283011.91
103	2255.05	840.00	1415.06	282171.91
104	2255.05	844.20	1410.86	281327.72
105	2255.05	848.42	1406.64	280479.30
106	2255.05	852.66	1402.40	279626.64
107	2255.05	856.92	1398.13	278769.72
108	2255.05	861.21	1393.85	277908.51
109	2255.05	865.51	1389.54	277043.00
110	2255.05	869.84	1385.22	276173.16
111	2255.05	874.19	1380.87	275298.97
112	2255.05	878.56	1376.49	274420.41
113	2255.05	882.95	1372.10	273537.46
114	2255.05	887.37	1367.69	272650.09
115	2255.05	891.80	1363.25	271758.29
116	2255.05	896.26	1358.79	270862.02
117	2255.05	900.74	1354.31	269961.28
118	2255.05	905.25	1349.81	269056.03
119	2255.05	909.77	1345.28	268146.26
120	2255.05	914.32	1340.73	267231.93
121	2255.05	918.90	1336.16	266313.04
122	2255.05	923.49	1331.57	265389.55
123	2255.05	928.11	1326.95	264461.44
124	2255.05	932.75	1322.31	263528.69
125	2255.05	937.41	1317.64	262591.28
126	2255.05	942.10	1312.96	261649.18
127	2255.05	946.81	1308.25	260702.37
128	2255.05	951.54	1303.51	259750.83
129	2255.05	956.30	1298.75	258794.53
130	2255.05	961.08	1293.97	257833.45
131	2255.05	965.89	1289.17	256867.56
132	2255.05	970.72	1284.34	255896.84
133	2255.05	975.57	1279.48	254921.27
134	2255.05	980.45	1274.61	253940.82
135	2255.05	985.35	1269.70	252955.47
136	2255.05	990.28	1264.78	251965.19
137	2255.05	995.23	1259.83	250969.97
138	2255.05	1000.21	1254.85	249969.76
139	2255.05	1005.21	1249.85	248964.55
140	2255.05	1010.23	1244.82	247954.32
141	2255.05	1015.28	1239.77	246939.04
142	2255.05	1020.36	1234.70	245918.68
143	2255.05	1025.46	1229.59	244893.22
144	2255.05	1030.59	1224.47	243862.63
145	2255.05	1035.74	1219.31	242826.89
146	2255.05	1040.92	1214.13	241785.97
147	2255.05	1046.13	1208.93	240739.84
148	2255.05	1051.36	1203.70	239688.49
149	2255.05	1056.61	1198.44	238631.87
150	2255.05	1061.90	1193.16	237569.98
151	2255.05	1067.21	1187.85	236502.77
152	2255.05	1072.54	1182.51	235430.23
153	2255.05	1077.90	1177.15	234352.33
154	2255.05	1083.29	1171.76	233269.04
155	2255.05	1088.71	1166.35	232180.33
156	2255.05	1094.15	1160.90	231086.17
157	2255.05	1099.62	1155.43	229986.55
158	2255.05	1105.12	1149.93	228881.43
159	2255.05	1110.65	1144.41	227770.78
160	2255.05	1116.20	1138.85	226654.58
161	2255.05	1121.78	1133.27	225532.80
162	2255.05	1127.39	1127.66	224405.40
163	2255.05	1133.03	1122.03	223272.38
164	2255.05	1138.69	1116.36	222133.68
165	2255.05	1144.39	1110.67	220989.30
166	2255.05	1150.11	1104.95	219839.19
167	2255.05	1155.86	1099.20	218683.33
168	2255.05	1161.64	1093.42	217521.69
169	2255.05	1167.45	1087.61	216354.24
170	2255.05	1173.28	1081.77	215180.96
171	2255.05	1179.15	1075.90	214001.81
172	2255.05	1185.05	1070.01	212816.77
173	2255.05	1190.97	1064.08	211625.79
174	2255.05	1196.93	1058.13	210428.87
175	2255.05	1202.91	1052.14	209225.96
176	2255.05	1208.93	1046.13	208017.03
177	2255.05	1214.97	1040.09	206802.06
178	2255.05	1221.04	1034.01	205581.02
179	2255.05	1227.15	1027.91	204353.87
180	2255.05	1233.29	1021.77	203120.58
181	2255.05	1239.45	1015.60	201881.13
182	2255.05	1245.65	1009.41	200635.48
183	2255.05	1251.88	1003.18	199383.60
184	2255.05	1258.14	996.92	198125.47
185	2255.05	1264.43	990.63	196861.04
186	2255.05	1270.75	984.31	195590.29
187	2255.05	1277.10	977.95	194313.19
188	2255.05	1283.49	971.57	193029.70
189	2255.05	1289.91	965.15	191739.79
190	2255.05	1296.36	958.70	190443.44
191	2255.05	1302.84	952.22	189140.60
192	2255.05	1309.35	945.70	187831.25
193	2255.05	1315.90	939.16	186515.35
194	2255.05	1322.48	932.58	185192.87
195	2255.05	1329.09	925.96	183863.78
196	2255.05	1335.74	919.32	182528.04
197	2255.05	1342.41	912.64	181185.63
198	2255.05	1349.13	905.93	179836.50
199	2255.05	1355.87	899.18	178480.63
200	2255.05	1362.65	892.40	177117.98
201	2255.05	1369.47	885.59	175748.51
202	2255.05	1376.31	878.74	174372.20
203	2255.05	1383.19	871.86	172989.01
204	2255.05	1390.11	864.95	171598.90
205	2255.05	1397.06	857.99	170201.83
206	2255.05	1404.05	851.01	168797.79
207	2255.05	1411.07	843.99	167386.72
208	2255.05	1418.12	836.93	165968.60
209	2255.05	1425.21	829.84	164543.39
210	2255.05	1432.34	822.72	163111.05
211	2255.05	1439.50	815.56	161671.55
212	2255.05	1446.70	808.36	160224.86
213	2255.05	1453.93	801.12	158770.92
214	2255.05	1461.20	793.85	157309.72
215	2255.05	1468.51	786.55	155841.22
216	2255.05	1475.85	779.21	154365.37
217	2255.05	1483.23	771.83	152882.14
218	2255.05	1490.64	764.41	151391.50
219	2255.05	1498.10	756.96	149893.40
220	2255.05	1505.59	749.47	148387.81
221	2255.05	1513.12	741.94	146874.70
222	2255.05	1520.68	734.37	145354.01
223	2255.05	1528.28	726.77	143825.73
224	2255.05	1535.93	719.13	142289.80
225	2255.05	1543.61	711.45	140746.20
226	2255.05	1551.32	703.73	139194.87
227	2255.05	1559.08	695.97	137635.79
228	2255.05	1566.88	688.18	136068.92
229	2255.05	1574.71	680.34	134494.21
230	2255.05	1582.58	672.47	132911.62
231	2255.05	1590.50	664.56	131321.13
232	2255.05	1598.45	656.61	129722.68
233	2255.05	1606.44	648.61	128116.24
234	2255.05	1614.47	640.58	126501.76
235	2255.05	1622.55	632.51	124879.22
236	2255.05	1630.66	624.40	123248.56
237	2255.05	1638.81	616.24	121609.74
238	2255.05	1647.01	608.05	119962.74
239	2255.05	1655.24	599.81	118307.50
240	2255.05	1663.52	591.54	116643.98
241	2255.05	1671.84	583.22	114972.14
242	2255.05	1680.19	574.86	113291.95
243	2255.05	1688.60	566.46	111603.36
244	2255.05	1697.04	558.02	109906.32
245	2255.05	1705.52	549.53	108200.79
246	2255.05	1714.05	541.00	106486.74
247	2255.05	1722.62	532.43	104764.12
248	2255.05	1731.23	523.82	103032.89
249	2255.05	1739.89	515.16	101293.00
250	2255.05	1748.59	506.46	99544.41
251	2255.05	1757.33	497.72	97787.07
252	2255.05	1766.12	488.94	96020.95
253	2255.05	1774.95	480.10	94246.00
254	2255.05	1783.82	471.23	92462.18
255	2255.05	1792.74	462.31	90669.44
256	2255.05	1801.71	453.35	88867.73
257	2255.05	1810.72	444.34	87057.01
258	2255.05	1819.77	435.29	85237.24
259	2255.05	1828.87	426.19	83408.37
260	2255.05	1838.01	417.04	81570.36
261	2255.05	1847.20	407.85	79723.16
262	2255.05	1856.44	398.62	77866.72
263	2255.05	1865.72	389.33	76001.00
264	2255.05	1875.05	380.00	74125.95
265	2255.05	1884.43	370.63	72241.52
266	2255.05	1893.85	361.21	70347.67
267	2255.05	1903.32	351.74	68444.36
268	2255.05	1912.83	342.22	66531.52
269	2255.05	1922.40	332.66	64609.13
270	2255.05	1932.01	323.05	62677.12
271	2255.05	1941.67	313.39	60735.45
272	2255.05	1951.38	303.68	58784.07
273	2255.05	1961.13	293.92	56822.94
274	2255.05	1970.94	284.11	54852.00
275	2255.05	1980.79	274.26	52871.20
276	2255.05	1990.70	264.36	50880.50
277	2255.05	2000.65	254.40	48879.85
278	2255.05	2010.66	244.40	46869.19
279	2255.05	2020.71	234.35	44848.49
280	2255.05	2030.81	224.24	42817.67
281	2255.05	2040.97	214.09	40776.71
282	2255.05	2051.17	203.88	38725.53
283	2255.05	2061.43	193.63	36664.11
284	2255.05	2071.73	183.32	34592.37
285	2255.05	2082.09	172.96	32510.28
286	2255.05	2092.50	162.55	30417.78
287	2255.05	2102.97	152.09	28314.81
288	2255.05	2113.48	141.57	26201.33
289	2255.05	2124.05	131.01	24077.28
290	2255.05	2134.67	120.39	21942.61
291	2255.05	2145.34	109.71	19797.27
292	2255.05	2156.07	98.99	17641.20
293	2255.05	2166.85	88.21	15474.35
294	2255.05	2177.68	77.37	13296.67
295	2255.05	2188.57	66.48	11108.10
296	2255.05	2199.51	55.54	8908.58
297	2255.05	2210.51	44.54	6698.07
298	2255.05	2221.56	33.49	4476.51
299	2255.05	2232.67	22.38	2243.84
300	2255.05	2243.84	11.22	0.00

Land Loan Calculator for Commercial Real Estate Planning

Estimate loan payments, ROI, and financing terms for your next land or property investment. Ideal for business owners and developers.

How to Calculate Your Land Loan Payment in 3 Steps

Planning to purchase raw land, a lot for building, or agricultural acreage? Land loans have unique requirements, and our specialized calculator helps you navigate them. Get a clear picture of your investment in moments.

Enter Land Purchase Details: Input the total land price, your planned down payment (typically 20-50% for land loans), and the loan term. Land loans often have shorter terms (5-20 years) than traditional mortgages.

Set Your Loan Terms: Add the expected interest rate. Land loan rates are often higher than home mortgage rates due to the perceived higher risk by lenders.

Analyze Your Payment Plan: See your estimated monthly payment, total interest cost, and the overall loan payoff schedule. Instantly adjust the down payment or term to find a comfortable payment structure.

How Are Land Loans Different From Mortgage Loans?

Financing land is fundamentally different from financing a home. Lenders view raw land as a higher-risk investment because there's no existing structure to serve as collateral. This impacts everything from the down payment to the loan term.

Key Characteristics of Land Loans:

Higher Down Payments: Expect to put down 20% to 50%. The more "raw" the land (no utilities, difficult access), the higher the down payment requirement likely will be.
Shorter Loan Terms: While mortgages can span 30 years, land loans typically range from 2 to 20 years. This results in higher monthly payments but builds equity faster.
Higher Interest Rates: Due to the increased risk for the lender, interest rates on land loans are generally 0.5% to 2% higher than standard mortgage rates.
The Improvement Factor: Loans for land that has utilities in place and is ready to build on (often called a "lot" or "improved land") will have more favorable terms than loans for completely raw, unimproved acreage.

💡

Pro Tip: A larger down payment is your most powerful tool for securing a better interest rate and lower monthly payment on a land loan. Use the calculator above to see exactly how much a 5% or 10% increase in your down payment can save you over the life of the loan.

Frequently Asked Questions

Question 1: What is the typical down payment for a land loan?

Answer: Down payments for land loans are significantly higher than for home mortgages. You can typically expect to pay between 20% and 50% of the purchase price. The exact amount depends on the land's type (e.g., raw vs. improved) and its intended use (e.g., recreational, agricultural, or building).

Question 2: What's the difference between a raw land loan and a lot loan?

Answer: This is a crucial distinction. A Raw Land Loan is for property with no utilities, roads, or improvements. These are the hardest to finance and require the largest down payments. A Lot Loan is for a plot in a developed or developing area with access to utilities and roads. Lot loans have more favorable terms, similar to a construction loan.

Question 3: Can I get a land loan with no down payment?

Answer: It is extremely rare to find a $0 down land loan from a traditional lender. Some government-backed programs, like USDA loans for rural land in designated areas or FSA loans for farmers and ranchers, may offer low-down-payment options, but they have strict eligibility requirements.

Question 4: Are there land loans for specific states like Texas or Georgia?

Answer: While loan fundamentals are similar nationwide, specific lenders (like Farm Credit institutions) specialize in land loans within certain states or regions. They understand local land values and uses. Our calculator provides a universal estimate, but we recommend connecting with a local agricultural or land-specialized lender in states like Texas, Georgia, or Louisiana for precise programs and rates.

Question 5: Can I include the cost of land improvements in my loan?

Answer: Sometimes, but it usually requires a different loan product. A pure "land loan" typically covers only the purchase price. If you need to finance well drilling, septic installation, or electrical hookups, you should look into a construction-to-permanent loan, which rolls the cost of the land, construction, and improvements into a single mortgage.