Put in one number. See your debt service, balloons and DSCR at every rate.
No sign-up to run your numbers. The 4-3-2-1 method, cap rates, DSCR and balloon math from Resimercial Revolution — built for brokers and investors who close commercial deals.
Sample: $2,000,000 price, $150,000 NOI —
At 6.50% 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 costs $3,015 per year. Interest-only is $8,667/mo ($104,000/yr).
Annual debt service across rates
One line per scenario. DSCR pills shown in the table.
6.00%
DSCR 1.21 amber- Monthly payment
- $10,309
- Annual debt service
- $123,706
- Interest-only /mo
- $8,000
- Interest-only /yr
- $96,000
- Owed after 5 yrs
- $1,438,913
- Owed after 7 yrs
- $1,359,712
- Owed after 10 yrs
- $1,221,632
- Max loan @ 1.25x
- $1,552,069
6.25%
DSCR 1.18 amber- Monthly payment
- $10,555
- Annual debt service
- $126,657
- Interest-only /mo
- $8,333
- Interest-only /yr
- $100,000
- Owed after 5 yrs
- $1,444,015
- Owed after 7 yrs
- $1,366,671
- Owed after 10 yrs
- $1,230,981
- Max loan @ 1.25x
- $1,515,911
6.50%(your rate)
DSCR 1.16 amber- Monthly payment
- $10,803
- Annual debt service
- $129,640
- Interest-only /mo
- $8,667
- Interest-only /yr
- $104,000
- Owed after 5 yrs
- $1,448,995
- Owed after 7 yrs
- $1,373,487
- Owed after 10 yrs
- $1,240,182
- Max loan @ 1.25x
- $1,481,027
6.75%
DSCR 1.13 red- Monthly payment
- $11,055
- Annual debt service
- $132,655
- Interest-only /mo
- $9,000
- Interest-only /yr
- $108,000
- Owed after 5 yrs
- $1,453,854
- Owed after 7 yrs
- $1,380,159
- Owed after 10 yrs
- $1,249,233
- Max loan @ 1.25x
- $1,447,363
7.00%
DSCR 1.11 red- Monthly payment
- $11,308
- Annual debt service
- $135,702
- Interest-only /mo
- $9,333
- Interest-only /yr
- $112,000
- Owed after 5 yrs
- $1,458,594
- Owed after 7 yrs
- $1,386,688
- Owed after 10 yrs
- $1,258,134
- Max loan @ 1.25x
- $1,414,869
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Rates are your assumptions. Lender partners: talk to us about featuring your current rates here.
(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 TheBrokersPlaybook.com, home of Resimercial Revolution by Tony Hardy, J.D., powered by KW Commercial. KW Commercial
(3) Keller Williams Realty International (KWRI), ranked the No. 1 real estate franchise in America by T3 Sixty for the ninth straight year: $370.7B in U.S. sales volume in 2025, 136,511 U.S. agents and 1,000+ market centers worldwide. Sources: T3 Sixty Real Estate Almanac via Keller Williams, April 2026; Keller Williams, December 2025. (T3 Sixty, Keller Williams)
(4) © 2026 Multifamily Investment Advisors. All rights reserved. The Rate Sensitivity Analyzer's design, text and calculations may not be copied or republished without written permission.
The system behind this calculator is in the playbook.
Every number above comes from a chapter. Get the full system — the 4-3-2-1 method, cap rates, 1031s, leases and the team that closes.