Tools › Debt Yield
Free Tool
Debt yield calculator.
Debt yield is the lender’s reality check that ignores rate and amortization: NOI divided by the loan. It sets a floor on how much they’ll lend regardless of how cheap the money is — and it’s often the real constraint.
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Debt yield
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Debt yield = NOI ÷ loan amount. Unlike DSCR and LTV, it ignores interest rate, amortization, and value — so lenders use it as a rate-proof floor. Most banks and CMBS lenders want a minimum around 9–10%; a lower debt yield caps your proceeds even when DSCR and LTV would allow more.
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Estimates are for planning only and use simplified assumptions — not tax, legal, or investment advice. Verify with your lender, CPA, and a full broker analysis before acting.