Property Deal Analyser. A clearer first-pass view.
Model a commercial property purchase across deposit, acquisition costs, leverage, net income, repayments, yield, interest cover, DSCR, and a stressed interest-rate scenario.
Turn a purchase price and rent profile into one transparent deal summary that can start a better conversation about leverage, coverage, and cash required.
Commercial property deal analyser
Model leverage, cash required, debt service, yield and coverage from one property scenario.
Change any assumption to update the result instantly.
Calculated from the assumptions entered on this page.
Purchase price less the entered cash deposit.
Indicative loan divided by the entered property value.
Deposit plus the acquisition costs entered.
Modelled over 20 years at 7.5%.
Net property income after the vacancy allowance.
Adjusted NOI divided by annual principal-and-interest debt service.
Adjusted NOI divided by indicative annual interest.
Adjusted NOI divided by purchase price.
Coverage after adding a 2% rate buffer.
- • The model assumes principal-and-interest repayments and does not include lender fees in debt service.
- • Property value, lease quality, WALE, tenant concentration and lender policy still require separate review.
Keep the source figures visible
Property and funding
Purchase price, valuation, deposit, and acquisition costs.
Net property income
Annual income after property outgoings, plus a vacancy allowance.
Loan structure
Indicative rate and principal-and-interest amortisation term.
Stress buffer
An additional interest-rate margin for testing repayment coverage.
Turn inputs into a reviewable signal
LVR and cash required
Indicative leverage and cash to complete the purchase.
Repayment and DSCR
Monthly repayment and annual debt-service coverage.
Yield and interest cover
Adjusted net yield and coverage of annual interest.
Stressed coverage
DSCR after applying the entered rate buffer.
$2.50 million commercial property purchase
A buyer contributes $750,000 toward a $2.50 million property producing $185,000 in annual net property income before a 5% vacancy allowance.
Indicative loan = $2,500,000 − $750,000 = $1,750,000. DSCR = $175,750 ÷ approximately $169,175 annual debt service = 1.04×.
Loan divided by the entered property value.
Indicative principal-and-interest repayment.
Adjusted NOI divided by annual debt service.
Move from raw figures to a better review conversation
The tool organises an early scenario. Keep the evidence, assumptions, and professional review attached to the result.
Enter the deal
Add the price, valuation, deposit, costs, and net income from the property.
Set the debt assumptions
Choose the rate, term, vacancy allowance, and stress buffer.
Review and share
Inspect leverage and coverage, then copy the scenario link or download the result.
Keep the result in context
Repayments are modelled on a monthly principal-and-interest basis.
The entered net income should already reflect property outgoings before the vacancy allowance is applied.
Acquisition costs are added to cash required and are not included in the loan amount.
The stress result is a sensitivity test rather than a lender assessment rate.
Useful for commercial property advisers & investors
Turn a purchase price and rent profile into one transparent deal summary that can start a better conversation about leverage, coverage, and cash required.
About the Property Deal Analyser
Use these answers to understand the tool's purpose before relying on its indicative output.
What is DSCR for a commercial property?
Debt-service coverage ratio compares the property's adjusted net operating income with the modelled annual principal-and-interest debt service.
Does the calculator include stamp duty?
Enter duty and other purchase costs in acquisition costs. The calculator does not determine state duty automatically.
Does a suitable LVR mean the loan will be approved?
No. Lenders also assess servicing, leases, tenants, property type, location, valuation, borrower strength, purpose, conduct, and exit strategy.
Use the calculator, then keep the assumptions attached to the result.
The result is an indicative workflow signal. Broker, adviser, valuer, accountant, and lender review still applies to the full scenario.