Financing calculator
Debt-yield calculator
Debt yield compares annual net operating income with the loan amount. Divide annual NOI by the loan amount and multiply by 100. Edit either figure to update the estimate; lender methods and requirements can vary.
RivetRatio · Borrower preparation
Debt-yield calculation summary
- Annual NOI
- $120,000.00
- Loan amount
- $1,200,000.00
Debt yield10.00%
Formula applied
Debt yield = annual NOI ÷ loan amount × 100
$120,000.00 ÷ $1,200,000.00 × 100 = 10.00%
Estimate only. This is not a lender decision or a promise of financing. Lender methods and requirements can vary.
Prints the current values only; nothing is saved or sent.
01 / Inputs · Illustrative example
Your annual figures
Use annual amounts in U.S. dollars. Example inputs are synthetic, not market guidance.
Net operating income for the year, before debt service.
The loan amount used for the estimate; it must be greater than $0.
Inputs are saved only in this browser.
02 / Calculated result
Estimated debt yield
10.00%
$120,000.00 ÷ $1,200,000.00 × 100 = 10.00%
03 / In plain language
How debt yield works
Debt yield = annual NOI ÷ loan amount × 100
Debt yield is annual property net operating income (NOI) divided by the loan amount. A higher percentage means more annual NOI for each borrowed dollar. Lenders may use it as one cash-flow-based risk measure; their methods and requirements vary.
This estimate is for preparation only; it does not determine eligibility or constitute an approval or financing decision. Lender methods and requirements vary.