Loan Sizer

Apartment Loan Sizer

100% Gross Potential Income (1) $
100% CAM Reimbursement $
Total Operating Income $
Less Vacancy and Uncollectables (2) $
Effective Gross Income $

Less Expenses (3)

Taxes $
Insurance $
Utilities $
Management (4) $
Trash $
Maintenance and Repairs $
Landscape $
Administrative $
Miscellaneous $
Total Operating Expenses $ % of EGI
Net Operating Income $

Less

Total Sq Ft Sq. Ft.
Capital Reserves(5) $
Tenant Improvement Reserves(6) $
Leasing Commission Reserves(7) $
Total Capital Reserves $
Cash Flow Available to Service Debt $

Calculator

Interest Rate %
Repayment Schedule (years) years
Debt Service Coverage (8)
Loan Amount $

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1. Definitions Sum of all actual income assuming 100% occupancy.
2. Input actual vacancy and uncollectables. If input is less than 5% of Gross Potential Income, model will automatically defaut to greater number.
3. Input actual expenses with necessary adjustments for Taxes and Insurance. Use Miscellaneous as a catch all.
4. Input actual management expenses. If input is less than 5% of Effective Potential Income, model will automatically defaut to greater number.
5. Use greater of $.15/sq. ft. or actual.
6. Use greater of $.60/sq. ft. or actual.
7. Use greater of $.40/sq. ft. or actual.

8. Defaults to 1.2 times.

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