Debt Yield Calculator
NOI over loan amount — the CMBS-era metric that can't be gamed by low rates or long amortization.
Formula
Debt yield is what the lender earns on day one if they take the keys — immune to rate environment and amortization games that flatter DSCR. CMBS desks hold 8-10% floors; when rates are low, debt yield, not DSCR, usually sizes the loan.
Not financial advice — for informational and analytical use only. Verify all figures with a qualified professional before acting on them.
Disclaimer: This tool is for general informational and estimation purposes only and is not professional financial, tax, accounting or legal advice. All figures are estimates — verify with a qualified professional before making decisions. Read the full disclaimer.
Need debt yield calculator results fast? Analysts, founders, traders and finance professionals use the Debt Yield Calculator to skip the spreadsheet and get a defensible answer in one step — free, private and instant.
About Debt Yield Calculator
NOI over loan amount — the CMBS-era metric that can't be gamed by low rates or long amortization. Debt yield is what the lender earns on day one if they take the keys — immune to rate environment and amortization games that flatter DSCR. CMBS desks hold 8-10% floors; when rates are low, debt yield, not DSCR, usually sizes the loan. The governing relationship is debt yield = NOI / loan; max loan = NOI / minimum DY. The Debt Yield Calculator computes entirely in your browser — free, private (your figures never leave your device) and instant, recalculating live as you change any input.
How to use Debt Yield Calculator
- 1Enter Net operating income (currency), Loan amount (currency), Lender minimum debt yield (%) into the Debt Yield Calculator.
- 2The result is computed automatically using debt yield = NOI / loan; max loan = NOI / minimum DY — there is no button to press.
- 3Change any input to model a different scenario, then copy or share the result.
Why use Debt Yield Calculator?
- ✓Computes debt yield calculator instantly with the correct formula — no spreadsheet needed
- ✓100% free and unlimited, with no sign-up, login or paywall
- ✓Runs entirely in your browser, so the figures you enter stay private
- ✓Shows the formula, a live worked example and references so you can defend the number
Frequently asked questions
What is the formula behind the Debt Yield Calculator?+
Debt Yield Calculator uses debt yield = NOI / loan; max loan = NOI / minimum DY. Debt yield is what the lender earns on day one if they take the keys — immune to rate environment and amortization games that flatter DSCR. The tool substitutes your actual inputs into this relationship and shows the worked example step by step.
What inputs does the Debt Yield Calculator need?+
Enter Net operating income (currency), Loan amount (currency), Lender minimum debt yield (%) and the result updates immediately — there is no button to press. Change any value to model a different scenario in real time.
Is the Debt Yield Calculator free, and is my data private?+
Yes — it is completely free with no sign-up or usage limit, and it runs entirely in your browser, so the numbers you enter are never uploaded or stored on any server. It is for informational and analytical use, not financial advice.
What should I watch out for when using the Debt Yield Calculator?+
CMBS desks hold 8-10% floors; when rates are low, debt yield, not DSCR, usually sizes the loan.
What is the Debt Yield Calculator based on?+
The method follows authoritative sources: CMBS underwriting standards — debt yield. The formula and references are shown on the page so you can verify and cite the result.
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