Interactive tool

Multifamily Loan Sizing Calculator

Back into maximum supportable debt from a DSCR target—then see illustrative purchase prices at 75% and 80% LTV.

Last updated: 2026-05-24

Quick answer

Multifamily Loan Sizing Calculator

Back into maximum supportable debt from a DSCR target—then see illustrative purchase prices at 75% and 80% LTV.

Loan inputs

What's the max loan?

Monthly gross rent

Market rent or in-place lease

Monthly property tax

Annual tax ÷ 12

Monthly insurance

Hazard premium ÷ 12

Monthly HOA

Optional

Flood / other $/mo

Optional

Interest rate %

Loan term

Target DSCR

Max loan results

Max loan amount

$347,418

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

Save your results

Want a real lender-fit read?

Submit your numbers for a free underwriting and lender-fit review — usually within one business hour. No credit pull.

Get free deal review

Hand-picked next steps — go deeper on this topic, compare alternatives, or run the numbers.

How this calculator sizes a multifamily loan

The widget solves a DSCR-based max loan from monthly rent and fixed costs:

Max monthly P&I = Rent ÷ Target DSCR − Fixed costs (tax, insurance, etc.)
Max loan = amortizing loan amount that produces that P&I at your rate and term
LTV context = illustrative purchase price at 75% and 80% LTV for that loan

Full lender term sheets often also bind on debt yield and appraisal LTV. Always stress NOI and rates in downside cases.

Worked example: DSCR-based max loan

Monthly rent $2,800, fixed costs $430, rate 7.25%, 30-year amortization, target DSCR 1.00x.

Max monthly P&I ≈ $2,370
Max loan ≈ $347,000
Illustrative purchase price @ 75% LTV ≈ $463,000

Explore structure trade-offs in our agency vs bridge execution guide.

Frequently asked questions

What is a multifamily loan sizing calculator?

This calculator estimates maximum supportable loan amount from a DSCR target: it solves for the largest monthly P&I such that rent ÷ (P&I + fixed costs) meets your target DSCR, then back-calculates loan amount from amortization. Purchase-price ranges at 75% and 80% LTV are shown as context—not as a separate binding constraint engine.

How do lenders size multifamily loans?

In practice, lenders often calculate max loan from DSCR, debt yield, and LTV and lend to the lowest result. This tool focuses on the DSCR path so you can stress rent, fixed costs, rate, and target coverage quickly. Use our Debt Yield calculator for the NOI ÷ loan screen.

Does this tool apply debt yield and LTV constraints?

No. It sizes by DSCR only, then shows illustrative purchase prices at 75% and 80% LTV for the computed loan. Debt yield and formal LTV caps still matter on term sheets—model them separately before requesting quotes.

Should I size to maximum leverage?

Not always. Maximum proceeds reduce equity requirement but shrink covenant headroom. Many experienced sponsors target conservative sizing to preserve refinance optionality.

How does property value affect loan sizing?

LTV caps proceeds as a percentage of appraised or lender value. This calculator back-solves illustrative prices from the DSCR-sized loan; a weak appraisal can still bind below that level.

Can I use this for agency and bridge scenarios?

Yes. Change the target DSCR, rate, and amortization to match each product's typical underwriting band, then compare proceeds before requesting quotes. Pair with debt yield and NOI tools for a fuller stack.