Max Loan Calculator

A free Excel template to size a CRE loan against LTV, LTC, DSCR, and Debt Yield constraints, so you know your true borrowing limit before you make an offer.

Free

Tests all four constraints: LTV, LTC, DSCR, and Debt Yield, side by side.
Shows your binding constraint: Whichever one produces the lowest loan amount.
Inputs: Purchase price, closing costs, NOI, interest rate, and amortization.

A note on how we build.

Every tool and template on Model The Deal is intentionally simple. Unnecessary complexity gets in the way of understanding. Every formula is visible and nothing is hidden behind a black box.

We actively encourage you to open the model, follow the logic, and rebuild it yourself. While our goal is to give you a working template that is ready to go, it is also to build your understanding of how these calculations actually work.

This template is provided as-is. For general questions or feedback, please contact us.