Compute Commercial Net Operating Income (NOI), Cap Rate, Debt Yield (NOI ÷ Loan Amount), and maximum supportable loan size at 8.5%, 9.0%, and 9.5% institutional debt-yield floors.
For 5–25+ unit commercial multifamily and mixed-use properties, wholesale lenders size maximum loan proceeds by the most conservative of three constraints: Maximum LTV (70%–75%), Minimum NOI DSCR (1.20x–1.25x), and Minimum Debt Yield (NOI ÷ Loan Amount ≥ 8.5%–9.5%).
Compliance Note: Educational structural underwriting models only; zero interest rates, APRs, or points are quoted. Loan Daddy LLC (NMLS #2827624 · AZ CMB #CMB-2016143 · CA CFL #60DBO-218873 · (480) 485-1229) is a mortgage broker, not a lender.