Lender Covenant Modeler
Commercial Debt & DSCR Calculator
Assess loan amortization, monthly debt service obligations, and bank DSCR compliance benchmarks. Benchmark your commercial mortgage against institutional lending guidelines in Forsyth County and North Georgia.
Loan & Income Parameters
Manual Entry or Sliders$
$100kMax: $25,000,000
$
$50kMax: $5,000,000
6.5%
%
2.0%15.0%
25 Yrs
Yr
5 Yrs35 Yrs
Interest-Only (IO) PeriodNone (Amortizing)
$
$10,000Max: $3,000,000
Debt Service Coverage Ratio (DSCR)
1.59xSTRONG COVERAGE
Bank Covenant Status✓ Exceeds 1.25x Covenant
Monthly P&I Payment$21,944 / mo
Interest-Only Payment$17,604 / mo
Annual Debt Service$263,331 / yr
Loan-to-Value (LTV)65%
Max Loan at 1.25x Covenant$4,146,875
Commercial Underwriting Covenants in North Georgia
DSCR Benchmark (≥ 1.25x):Regional commercial banks mandate a minimum 1.25x ratio of Net Operating Income to Annual Debt Service to maintain compliant debt covenants.
LTV Ceiling (≤ 65%–75%):Senior commercial mortgages typically cap at 65%–75% LTV, with the remaining 25%–35% funded via sponsor syndication.
Analyzing a Specific Corridor Asset?
Request our lender memo covering current regional bank quotes, interest-only options, and loan assumptions.