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                  Financial Calculators from
                  Dinkytown.net

                  Financial Calculators ©1998-2015 KJE Computer Solutions, LLC









                  Commercial Loan Calculator
                  New commercial loan:
                  Press spacebar to hide inputs
                  Monthly payment $1,266.76
                  [-]
                  $0k
                  $200k
                  $500k
                  $1m
                  0%
                  8%
                  16%
                  25%
                  0
                  10
                  20
                  30
                  Your annual income:
                  Press spacebar to show inputs
                  Total $0
                  [+]
                  $0k
                  $200k
                  $500k
                  $1m
                  $0k
                  $200k
                  $500k
                  $1m
                  $0k
                  $200k
                  $500k
                  $1m
                  Your monthly obligations:
                  Press spacebar to show inputs
                  Total $0
                  [+]
                  $0k
                  $200k
                  $500k
                  $1m
                  $0k
                  $200k
                  $500k
                  $1m
                  $0k
                  $200k
                  $500k
                  $1m
                  $0k
                  $200k
                  $500k
                  $1m
                  $0k
                  $200k
                  $500k
                  $1m
                  $0k
                  $200k
                  $500k
                  $1m
                  Please view the report to see detailed results in tabular form.
                  You probably do not qualify.
                  Unfortunately your debt service coverage of 0 is not more than 1.25. You would probably not be able to qualify for for the loan, considering the information you have given.

                  press spacebar to hide graph
                  [-]

                  Definitions

                  New loan amount
                  Total amount of your loan.
                  Amortization in years
                  Payment period in years.
                  Interest rate
                  Annual interest rate for this loan. Interest is calculated monthly on the current outstanding balance of your loan at 1/12 of the annual rate.
                  New monthly payment
                  Monthly payment for this loan.
                  Annual verifiable net income
                  Your annual net income from IRS tax returns or other financial statements.
                  Annual depreciation expense
                  Since depreciation reduces your net income, but not your cash flow, we add back depreciation in calculating your total net cash income.
                  Other non-cash charges
                  Like depreciation, these are other non-cash charges to your net income that should be added back to calculate your total net cash income for the year.
                  Real estate mortgage
                  Your monthly payment for any real estate mortgages.
                  Business line of credit
                  Your monthly payment for any business lines of credit.
                  Auto loans
                  Your monthly payment for any auto loans.
                  Credit cards
                  Your monthly payment for any credit cards.
                  Other loans
                  Your monthly payment for any other outstanding loans.
                  Monthly debt payments eliminated
                  Enter the amount, if any, of the monthly obligations you entered above that will be paid off by this new loan.
                  Debt service coverage (DSC)
                  The debt service coverage is determined by dividing the total annual net cash income by the total annual debt service. If you have a DSC of 1.25 or higher, there is a good chance that you will be approved for your loan.

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