Connect a building’s income and expenses with its mortgage payments. Test how your chosen debt coverage and loan-to-value limits affect an illustrative loan amount.
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Start with the illustrative example, then replace its figures. Keep one scenario to compare it with your changes. Your entries stay in this page; refreshing clears them.
Your illustration
Calculate the example or enter your figures.
This model tests entered income and value constraints. It does not establish lender approval or MLI Select eligibility. Lenders may adjust income, expenses and reserves. Insurance premiums, financing fees and other underwriting conditions require separate assessment.
Multifamily financing with Streetwise →How to read the results
Scheduled rent less the vacancy allowance, plus other income and less operating expenses, gives the net operating income used here. Capital reserve contributions are shown separately. A lender may use different income, expense or reserve adjustments when assessing the building.
The income-based amount converts the debt service supported by your chosen coverage target into a loan amount using the entered interest rate and amortization. The value-based amount multiplies property value by the loan-to-value limit you enter. The lower amount is the illustrated limit.
Debt coverage compares operating income with annual mortgage payments. The tool also shows the cash remaining after those payments and your capital reserve contribution. It does not assess programme eligibility, mortgage insurance premiums, fees, borrower strength, property condition or every lender requirement.
A calculator helps you test assumptions. Streetwise can review the property, financing terms and your wider plans together.
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