Commercial track

Commercial mortgages

Learn the commercial DSCR calculator, then learn how to qualify a building before anyone spends hours on it.

Open the commercial calculator Go to Residential

Calculator videos

Free for everyone · to track what you've watched

START HERE

Getting Started

A quick tour: the welcome guide, the results bar, the four steps, Broker Tips, the question marks, Late Night Broker Mode and where to get help.

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PART 1

Income

How Notes work on every tab, then build the rent roll: unit types, quantities, rent and parking with their frequencies, and vacancy and collection loss.

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PART 2

Expenses

Enter operating expenses with the seven pre-loaded categories, add your own, and set the replacement reserve to arrive at net operating income.

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PART 3

Mortgage

Set purchase or refinance, price, down payment, rate and amortization, then the stress test and acquisition costs. The loan is capped at 75% of value.

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PART 4

Results

Read the DSCR and stressed DSCR, the illustrative coverage bands, the NOI waterfall, cash flow, investment returns and the stress test scenarios.

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PART 5

Changing Scenarios

Test a different down payment, stress buffer, price or a refinance, and watch every result update instantly.

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PART 6

Print, Save and Reopen

Print or save the Deal Synopsis, save an encrypted application file with a password, and reopen it later. Nothing is uploaded.

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PART 7

The Deal Synopsis

A page by page look at the Deal Synopsis you send to commercial lenders: DSCR, NOI waterfall, financing, returns, stress tests, rent roll, expenses and the document checklist.

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Course: The MyMortgageMate Way

COMING SOON

The commercial course is being written

Same method as residential, built around the commercial calculator, with practice deals and answer keys. Your access code will open it the day it goes live.

1How we work: the same method, commercial numbersQualify first, the four answers (Go, Fix, Fringe, Not now), and why a fringe deal goes straight to a lender.
2Income: everything the building can earnRents, parking, laundry and government-backed solar contracts. The owner's business income counts only when that business operates from the property being bought or refinanced. A landlord buying to rent out is qualified on what the building earns on its own.
3Expenses, NOI and DSCROperating costs, vacancy and reserves, then NOI and DSCR. Plus the total debt service method some alternative lenders use: all of the borrower's income across their businesses, and all of their liabilities too. It can help, and it can hurt.
4Fringe deals, documents and lendersRent rolls, leases and financials collected up front, and getting a fringe deal in front of the right lender fast.