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fin.commercial-real-estate-noi Calculator
Calculates commercial real estate Net Operating Income (NOI) from gross potential rent, vacancy, and operating expenses, with DSCR from the NOI. Commercial lenders require DSCR above 1.25× — NOI must exceed annual debt service by at least 25%.
Inputs
Gross Rental Income
Reference formula or conversion factor shown for context.
Vacancy Rate Pct
Amount per unit of time or per unit quantity. Check the denominator before interpreting.
Operating Expenses Pct
Reference formula or conversion factor shown for context.
Capex Reserve Pct
Reference formula or conversion factor shown for context.
Debt Service Annual
Reference formula or conversion factor shown for context.
Results
NOI (net operating income)
A standardised quality or risk rating on the applicable scale.
effective gross income
Sample size or count used in the calculation.
net cash flow after debt service
Sample size or count used in the calculation.
implied value at 6% cap rate
The computed numeric or monetary value.
DSCR (debt service coverage)
Net operating income / total debt payments. Lenders typically require ≥ 1.25. A ratio of 1.0 means income exactly covers debt with no cushion.
DSCR ≥1.25
Reference formula or conversion factor shown for context.