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Calculadora de Dimensionamiento de Préstamo
Calcule deuda máxima soportable desde DSCR, debt yield y LTV—las tres métricas que vinculan la mayoría de hojas de términos.
Última actualización:
Loan inputs
What's the max loan?
Market rent or in-place lease
Annual tax ÷ 12
Hazard premium ÷ 12
Optional
Optional
Max loan results
Max loan amount
At 7.25% / 30-yr · keeps DSCR ≥ 1.0x
- Max monthly P&I
- $2,370
- Monthly fixed costs (tax + ins + HOA)
- $430
- Max purchase @ 75% LTV
- $463,223
- Max purchase @ 80% LTV
- $434,272
How this works
We solve for the maximum monthly P&I such that rent ÷ (P&I + fixed costs) ≥ your target DSCR, then back-calculate the loan amount using standard amortization. The purchase price ranges assume 75% and 80% LTV at closing. Adjust the target DSCR to model different lender requirements.
DSCR target comparison
| Target DSCR | Max P&I / mo | Max loan | Max price @ 75% |
|---|---|---|---|
| 0.75x | $3,303 | $484,235 | $645,646 |
| 1.0x | $2,370 | $347,418 | $463,223 |
| 1.25x | $1,810 | $265,327 | $353,770 |
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Cómo dimensionar un préstamo multifamiliar
- DSCR: Servicio máx = NOI ÷ DSCR mín
- Debt yield: Préstamo máx = NOI ÷ debt yield mín
- LTV: Préstamo máx = Valor × LTV máx
Ejemplo: adquisición estabilizada de 56 unidades
NOI $980,000; valor $14M; pisos 1.25x DSCR, 9.25% debt yield, 75% LTV. Proceeds probablemente cerca de $10.5M.