Herramienta interactiva
Calculadora de Debt Yield
Use NOI y monto del préstamo para probar umbrales de retorno del prestamista en operaciones de 5+ unidades.
Última actualización:
Debt yield
Enter deal metrics
NOI = gross income − operating expenses
Proposed or existing mortgage balance
Formula
Debt Yield = NOI / Loan Amount × 100
= $120,000 / $1,200,000 × 100 = 10.00%
Result
Debt yield
Acceptable — meets most lender floors
Lender benchmarks
Debt yield measures the return a lender would earn if it took the property back in foreclosure. It's rate-agnostic — unlike DSCR — so commercial lenders often use it as a backstop underwriting metric alongside LTV and DSCR. A 9–12% debt yield is typical for 5+ unit multifamily and commercial bridge lending.
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Siguientes pasos seleccionados: profundizar en el tema, comparar alternativas o analizar los números.
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Cómo calcular debt yield
Debt Yield = NOI ÷ Monto del préstamo
Préstamo máximo: Préstamo = NOI ÷ Debt Yield objetivo
Ejemplo: refinanciamiento de 64 unidades
NOI normalizado $1,020,000. Piso del prestamista 9.5%.
- Préstamo máximo ≈ $10.74M
- A $11.2M solicitados, debt yield ≈ 9.1%—probablemente bajo el piso