Commercial Investment Analysis
Cash Flow Calculator
Analyze commercial real estate investments with comprehensive cash flow and ratio calculations.
Commercial Cash Flow Analysis
25.0% of purchase price
Example rate — commercial pricing is quoted per deal (property type, DSCR, LTV, borrower). Enter your quoted rate.
Cash Flow Analysis
Monthly Cash Flow
$-276
Before tax
DSCR
0.98
Min: 1.25
Cap Rate
5.76%
Market rate
Cash-on-Cash
-0.53%
Return on investment
Annual Income Statement
Gross Rental Income:$300,000
Less: Vacancy (5%):-$15,000
Effective Gross Income:$285,000
Operating Expenses:-$90,000
Property Taxes:-$24,000
Insurance:-$12,000
Maintenance:-$15,000
Net Operating Income:$144,000
Debt Service:-$147,317
Before-Tax Cash Flow:$-3,317
Investment Requires Review
Review: DSCR low, Cap Rate below 6%, Cash Flow negative
Commercial Lending Criteria
Minimum DSCR
1.25
Maximum LTV
75%
Current LTV
75.0%
Professional valuation and environmental assessments required for all commercial financing.
Estimates only. Payments assume Canadian semi-annual compounding; NOI excludes debt service, depreciation and capital expenditures. Lender DSCR/LTV thresholds vary (CMHC-insured multi-unit residential uses 1.10x). Not a commitment to lend.