Calculator
Practice + real estate debt calculator
Buying the practice and the building? See both payments side by side and what they do to cash flow together.
Blue = you enterGreen = calculatedGray = assumptionAmber/red = check this
Practice (operating business) loan
$
%
years
Office real estate loan
$
Enter 0 if you'll lease.
%
years
$
$
%
Combined monthly payment
$22,128.62
Practice loan
$14,878.28
Real estate loan
$7,250.34
Combined DSCR
1.30x
DSCR after −15%
1.10x
Annual debt service: $265,543 — before property taxes, insurance and maintenance.
Illustration only. Lenders may underwrite the practice and the property separately, with different collateral, guarantees, balloon dates and coverage standards.
Estimates only. Results vary. No guarantee of approval, rates or savings.
Estimates only. Results vary. No guarantee of approval, rates or savings.
Talk with a financing specialistThe formulas
- Each loan uses its own rate and amortization.
- Combined DSCR = annual cash available ÷ (both loans' annual payments + other debt payments).
- The stress case reduces cash flow by the decline you enter.
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Read more: Practice loan vs. real estate loan