Inputs
Rates are your assumptions. Lender partners: talk to us about featuring your current rates here.
At 6.500% with 20% down (a $1,600,000 loan), the payment is $10,803 a month, $129,640 a year. After 7 years you would still owe $1,373,487.
Each quarter point here is about $4,000 a year in debt service.
Interest-only at this rate is $8,667 / mo · $104,000 / yr.
Annual debt service across rates
| Rate | 6.000% |
| Monthly payment | $10,309 |
| Annual debt service | $123,706 |
| Interest-only / mo | $8,000 |
| Interest-only / yr | $96,000 |
| Owed after 5 years | $1,438,913 |
| Owed after 7 years | $1,359,712 |
| Owed after 10 years | $1,221,632 |
| DSCR | 1.21x |
| Max loan at 1.25x | $1,552,069 |
| Rate | 6.250% |
| Monthly payment | $10,555 |
| Annual debt service | $126,657 |
| Interest-only / mo | $8,333 |
| Interest-only / yr | $100,000 |
| Owed after 5 years | $1,444,015 |
| Owed after 7 years | $1,366,671 |
| Owed after 10 years | $1,230,981 |
| DSCR | 1.18x |
| Max loan at 1.25x | $1,515,911 |
| Rate | 6.500% |
| Monthly payment | $10,803 |
| Annual debt service | $129,640 |
| Interest-only / mo | $8,667 |
| Interest-only / yr | $104,000 |
| Owed after 5 years | $1,448,995 |
| Owed after 7 years | $1,373,487 |
| Owed after 10 years | $1,240,182 |
| DSCR | 1.16x |
| Max loan at 1.25x | $1,481,027 |
| Rate | 6.750% |
| Monthly payment | $11,055 |
| Annual debt service | $132,655 |
| Interest-only / mo | $9,000 |
| Interest-only / yr | $108,000 |
| Owed after 5 years | $1,453,854 |
| Owed after 7 years | $1,380,159 |
| Owed after 10 years | $1,249,233 |
| DSCR | 1.13x |
| Max loan at 1.25x | $1,447,363 |
| Rate | 7.000% |
| Monthly payment | $11,308 |
| Annual debt service | $135,702 |
| Interest-only / mo | $9,333 |
| Interest-only / yr | $112,000 |
| Owed after 5 years | $1,458,594 |
| Owed after 7 years | $1,386,688 |
| Owed after 10 years | $1,258,134 |
| DSCR | 1.11x |
| Max loan at 1.25x | $1,414,869 |
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Fine print
(1) Estimates for discussion. Lenders set actual rates, terms and loan amounts. Figures assume a fixed rate and monthly payments, with the remaining balance due at the end of the term; on interest-only, the full loan is still owed then.
(2) This rate sensitivity analysis is provided courtesy of WeBuyShoppingCenters.com. Members of our group are licensed real estate agents.
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