Underwriting calculator
Debt-yield calculator
Debt yield compares annual net operating income with property value. Divide annual NOI by property value and multiply by 100. Edit either figure to update the estimate; lender methods and requirements can vary.
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 property value used for the estimate; it must be greater than $0.
Estimated result
10.00%
$120,000.00 ÷ $1,200,000.00 × 100 = 10.00%
How debt yield works
Debt yield = annual NOI ÷ property value × 100
It expresses annual property net operating income as a percentage of property value.
This estimate supports preparation only. Lender methods and requirements can vary; it does not predict approval or replace a lender’s underwriting decision.