Tools

Multifamily underwriting calculators

Cap rate, debt yield, commercial DSCR, cash-on-cash, and loan sizing tools for 5+ unit apartment buildings—not residential 1–4 unit programs.

Quick answer

What multifamily metrics can I calculate here?

Our free calculator suite models the core commercial multifamily underwriting stack: stabilized NOI and cap rate, lender DSCR, debt yield, levered cash-on-cash return, and proceeds limited by DSCR, debt yield, or LTV.

Built for 5+ unit commercial properties
No login or email required
Pair with guides and a free deal review for lender-fit context

Cap Rate & NOI Calculator

Underwrite income and expenses into stabilized NOI and cap rate.

Debt Yield Calculator

Model lender-side risk with NOI-to-loan sizing pressure.

Commercial DSCR Calculator

Quickly evaluate DSCR and debt-service coverage sensitivity.

Cash-on-Cash Calculator

Estimate levered annual return on invested equity.

Loan Sizing Calculator

Find the binding constraint across DSCR, debt yield, and LTV.

Featured financing guides

Apartment building loan guide

Products and underwriting for 5+ unit apartment complex loans.

Commercial DSCR explained

How lenders calculate DSCR on multifamily term sheets.

FHA & HUD multifamily

Government program context including FHA 221(d)(4).

Use tools with adjacent resources

Pair with financing guides

Understand why each metric moves before relying on calculator outputs.

Pressure-test structure choices

Connect underwriting outputs to agency vs bridge and bank vs debt-fund decisions.

Match metrics to operator profile

See how leverage, risk tolerance, and reporting capacity vary by investor type.

Need 1–4 unit DSCR calculators?

These tools cover 5+ unit commercial multifamily. For single-family and small-rental DSCR calculators, visit DSCR Authority. For Canadian multifamily or cross-border scenarios, see LendCity in the links below.

DSCR Authority — US 1–4 unit DSCR

Canonical ACTION for residential DSCR (1–4 units): calculators, state guides, and lender matching — not this site.

LendCity — Canadian multifamily & CMHC MLI

Canonical ACTION for CMHC MLI Select and Canadian multifamily — do not clone those guides on Multi-Family USA.

LendCity — Cross-border financing

Canadians buying US rental or multifamily — entity and lender-fit planning on the hub.

Frequently asked questions

Are these calculators for 1–4 unit residential loans?

No. These tools model commercial multifamily underwriting for 5+ unit apartment properties. For 1–4 unit DSCR, use the free DSCR calculator at DSCR Authority.

Which calculator should I run first?

Start with cap rate and NOI to build stabilized income, then run commercial DSCR and debt yield before using loan sizing to find the binding leverage constraint.

Do I need an account to use the calculators?

No. All calculators are free with no email wall. Pair outputs with a free deal review if you want lender-fit feedback on your assumptions.

Numbers Look Right — What's Next?

Turn calculator output into a debt structure and lender match.

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