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Underwriting calculator
Debt-yield calculator
Compare annual net operating income with a loan amount to estimate debt yield. Edit either figure and the result updates as you type; this tool supports preparation and does not predict approval.
Illustrative example
Your annual figures
Use annual amounts in U.S. dollars. Example inputs are synthetic, not market guidance.
Net operating income for the year, before debt service.
The loan amount being considered; it must be greater than $0.
Estimated result
10.00%
$120,000.00 ÷ $1,200,000.00 × 100 = 10.00%
How debt yield works
Debt yield = annual NOI ÷ loan amount × 100
It expresses annual property net operating income as a percentage of the loan amount.
This estimate supports preparation only. It does not predict approval or replace a lender’s underwriting decision.