Maximum Loan Calculator
Size the tightest loan amount under LTV, LTC, debt-yield and DSCR constraints.
Calculated directly from the assumptions shown.
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Get the model · €49 incl. VATHow the Maximum Loan calculation works
Maximum loan is the minimum capacity produced by each lender constraint.
Example calculation
At €16m value, €12m cost and €950,000 NOI, 65% LTV permits €10,400,000; 70% LTC permits €8,400,000; 9% debt yield permits €10,555,556. At 6% interest, 25-year monthly amortisation and 1.30x DSCR, DSCR capacity is €9,451,700. LTC binds at €8,400,000.
How professionals use the result
Use this to identify which covenant constrains proceeds. A lender may apply additional minimums, reserves and eligibility rules.
Common mistakes
- Using inconsistent NOI across constraints
- Ignoring amortisation in DSCR capacity
- Assuming every project cost is eligible
- Forgetting existing debt
Maximum Loan Calculator FAQs
What does the Maximum Loan calculator measure?
Size the tightest loan amount under LTV, LTC, debt-yield and DSCR constraints.
What formula does the Maximum Loan calculator use?
Maximum loan is the minimum capacity produced by each lender constraint.
Is the result suitable for a final investment decision?
Use it as a transparent screening calculation. Validate deal-specific tax, timing, financing and legal assumptions in a complete underwriting model before making a decision.
Do I need an account?
No. The calculator is free and runs in your browser. FormulaPlanet does not store your projects, inputs or results.
Is any input sent publicly?
No calculation is public by default. A shareable link is only created when you explicitly choose to copy one; that link contains the assumptions shown in its URL.
Why might my spreadsheet give a different answer?
Differences usually come from timing, compounding, sign conventions, fees or a different definition of the numerator or denominator. Match every period and definition before comparing.
What should I review alongside this result?
Use this to identify which covenant constrains proceeds. A lender may apply additional minimums, reserves and eligibility rules.
Which mistakes are most common?
Using inconsistent NOI across constraints; Ignoring amortisation in DSCR capacity; Assuming every project cost is eligible; Forgetting existing debt.