Tools › How Much Can I Borrow
Free Tool · Buyers & Investors

How much can you borrow?

Before you make an offer, know your ceiling. This runs a lender’s two tests — debt-service coverage and loan-to-value — to show the largest loan a deal supports and the down payment you’ll need.

$
$
%
yr
x
%
Maximum supportable loan
—
Enter NOI and a price to size the loan.
This is your ceiling, not a quote. Real terms depend on the lender, the asset, your credit and experience, and whether it’s investment or owner-occupied (SBA can change the math and the down payment dramatically). When you’re ready for real numbers, I’ll connect you with the right lender from my network. See the whole picture in the Deal Analyzer.

Want real financing numbers?

Tell me the deal and I’ll connect you with a vetted commercial lender — conventional or SBA — and pressure-test whether it pencils. Free, and I represent you.

Trusted NetworkMortgage CalculatorDSCR CalculatorDeal AnalyzerAll Tools

Planning estimate — not a loan commitment, quote, or financial advice. Verify with a licensed lender.

Frequently asked

How do lenders decide how much I can borrow on commercial property?

Two limits, whichever is lower. The first is debt-service coverage (DSCR): the property’s net operating income must exceed the loan payment by a cushion — usually 1.20x–1.30x. The second is loan-to-value (LTV): most commercial lenders cap the loan at 65%–80% of value. Your maximum loan is the lower of those two.

What down payment do I need for commercial real estate?

Typically 20%–35% for investment property, driven by the LTV cap. Owner-occupied purchases through SBA programs can go much lower — sometimes 10%. The right structure depends on the deal; that’s where a lender relationship matters.

Does a higher NOI let me borrow more?

Yes, up to the LTV ceiling. More net operating income supports a larger payment at the required coverage ratio, so the DSCR-based loan rises — until the loan-to-value cap becomes the binding limit.