Debt desk
Mortgage / debt-service calculator
Debt is helpful until it becomes the boss.
Change the number
What the math says Metric - Waiting on inputs. Metric - Waiting on inputs. Metric - Waiting on inputs. Metric - Waiting on inputs.
The first number is only the beginning.
Annual debt service - NOI cushion - Payment pressure -
The chart will name the assumption carrying the most weight once the model runs.
Scenario check
| Case | Result | What moved |
|---|
Assumption ledger
Assumption coach Move an input to see what assumption is carrying the story.
When does the loan mature?
Ignoring IO expiration
This is a simplified amortization model. Real loans have fees, covenants, reserves, IO periods, caps, and lawyers.
What this number is really saying
The payment is not a footnote. It is the fixed claim that shows up whether the rent roll behaved or not.
The assumption to attack
Move the rate up and NOI down. That is where DSCR becomes a grown-up conversation.
What the math is ignoring
Interest-only periods, rate caps, covenants, prepayment penalties, extension fees, and lender attitude.
Headline, stress, proof.
- Start with the headline result.It names the current modeled answer, not the decision.
- Compare the stress cases.The scenario strip shows which assumption makes the answer fragile.
- Use the ledger as a diligence list.Every input should map back to a document, invoice, statement, term sheet, or named assumption.
Documents before confidence.
Lender term sheet, loan agreement, rate-cap quote, amortization schedule, covenant schedule, maturity, and extension terms.
Stress before trust
- Ignoring IO expiration
- Forgetting covenants
- Treating floating-rate debt like fixed-rate debt
Make the model answer.
- When does the loan mature?
- What DSCR covenant applies?
- What happens if the rate cap expires?
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