Commercial Mortgage Calculator

A mortgage calculator is an essential tool for anyone analyzing commercial real estate in Alberta. Unlike residential mortgages—where lenders focus on your personal income—commercial financing is based on the property’s net operating income (NOI), stability of tenants, lease structure, and the building’s ability to meet lender ratios. A proper calculator helps buyers estimate monthly payments, interest impact, amortization schedules, and DSCR (Debt Service Coverage Ratio) to determine whether a property qualifies for financing.

Whether you’re evaluating industrial bays, retail units, medical spaces, offices, or mixed-use properties, a mortgage calculator gives you clear insight into how down payments, interest rates, and amortization periods affect cash flow and ROI. Alberta’s commercial lending environment is highly competitive, making accurate calculations critical for budgeting, investment decisions, and offer strategy.

Ready to take the next step? (587)-719-5523 / Get in touch or visit MohitDhillon.com with us today to discuss your commercial real estate goals or schedule a personalized property tour.

Mortgage Calculator

How much can you afford?

Mortgage Summary

This calculator is for information purposes only. Users should not use this calculator to make any financial decisions and should speak with their bank or mortgage broker. The website owner does not guarantee the accuracy or reliability of any information or calculations provided by this calculator. The website owner is not liable for loss or damage of any kind arising from the use of this tool.

Know Your Numbers

A Simple Way to Estimate Payments & Investment Strength

A commercial mortgage calculator helps determine monthly payments, total interest costs, and whether a property’s NOI covers debt requirements. By adjusting variables—interest rate, amortization, loan amount, cap rate, and DSCR—you can forecast cash flow, evaluate risk, and identify investment opportunities that align with your financial strength and long-term goals.

KEY POINTS

• Estimate monthly mortgage payments
• Test different interest rate scenarios
• Evaluate DSCR & financing strength
• Understand affordability instantly
• Compare multiple investment options

Loan Amount

Calculates mortgage based on purchase price minus down payment. Commercial loans often require 25–35% downdepending on asset type and risk.

Interest Rate

Commercial amortizations typically run 15–25 years. Longer amortizations reduce payments but increase total interest.

Amortization Term

Commercial amortizations typically run 15–25 years. Longer amortizations reduce payments but increase total interest.


DSCR Check

Debt Service Coverage Ratio ensures NOI covers mortgage payments. Most lenders require 1.20–1.35 DSCR for approval.

A commercial mortgage calculator is one of the most valuable tools in the buying process—helping you understand payments, confirm affordability, and test investment scenarios. When combined with financial analysis, DSCR evaluation, and lender requirements, it becomes an essential part of building a strong commercial real estate strategy.

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