Free Commercial Real Estate Financing Tools

Run your deal's numbers before you talk to a lender. Every tool below is free, needs no account, and returns estimates you can check against the definitions lenders actually underwrite to.

YieldStack is an AI-native commercial mortgage brokerage that arranges financing for commercial real estate investors. These tools show benchmark indices, scenario math, category fit, and payment schedules — not quotes, credit decisions, or a promise that a named lender will offer.

The workbenches

• Deal Analyzer — Rate Estimator — Estimate rate, payment, and lender fit for a CRE deal. Free, no account.
• Underwriting Calculator — Compute DSCR, LTV, and debt yield from NOI, value, and loan terms. Free, no account.
• Lender Match — See which categories of commercial lenders typically fit your deal — banks, credit unions, debt funds, agency, CMBS. Free preview.
• CRE Rate Dashboard — Live Benchmarks — Benchmark the CRE quote you already have against live indices — SOFR, 5Y and 10Y Treasury, Prime — and see how commercial mortgage pricing is built.
• Savings Calculator — Compare commercial mortgage brokerage fees due at close across deal sizes and annual volume, and see where a tiered success fee costs less.
• Commercial Mortgage Calculator — Commercial mortgage calculator: monthly payment, principal and interest, remaining balance and the balloon on any commercial real estate loan. Free.

Quick calculators

• DSCR Calculator — Free DSCR loan calculator: coverage from NOI, loan amount, rate and amortization, a worked rental property example and the largest loan your target allows.
• Cap Rate Calculator — Cap rate and property value calculator: the cap rate a price implies, what a property is worth at a target cap rate, and the NOI a price needs. Free.
• Debt Yield Calculator — Debt yield calculator: NOI divided by the loan amount, the largest loan a yield floor allows, a worked example and dated CMBS debt yields. Free.
• Loan-to-Cost Calculator — Loan-to-cost from purchase price and renovation budget, loan-to-value beside it, and the loan each cap allows — the lesser governs. Free, no account.
• Loan Sizing Calculator — How much can a commercial property borrow? Size the loan three ways — coverage, loan-to-value and debt yield — and see which test governs. Free, no account.
• Break-Even Occupancy Calculator — The occupancy a property needs to cover operating expenses and debt service. Formula, worked example and what the cushion means for a loan. Free, no account.
• Maturity Wall Refinance Gap Calculator — See whether a maturing commercial loan refinances at today's rates: implied value from NOI and cap rate, the new loan by DSCR and LTV, and the equity gap.
• Bridge Loan Calculator — Size a value-add bridge loan from purchase, rehab budget and ARV; see monthly carry, points and exit fee, all-in cost of capital and breakeven sale price.
• Lock vs. Wait Rate Calculator — Compare locking a commercial loan rate today against waiting, using your own expected rates and odds plus the carry premium over today’s rate while you wait.
• Deal Readiness Score — Score a commercial loan request against the items lenders ask for first, see which required documents are still missing, and close the gaps before you submit.

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