Knowledge base

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Clear, evidence-based guides on Debt Yield Calculator — calculation formulas, worked examples, and the science behind the numbers. Everything you need to read your results with confidence.

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35 posts found

Jul 19, 2026DSCR

DSCR Formula: How to Calculate It (With Excel)

The DSCR formula is NOI divided by annual debt service. See how to calculate it by hand, in Excel, and how lenders use it to size commercial real estate loans.

Jul 15, 2026refinancing risk

Bridge-to-Permanent Refinancing: Mitigating Exit Underwriting Risk

Sizing the transition from short-term bridge debt to long-term agency or CMBS mortgages. Learn how exit debt yields determine your refinance success.

Jul 15, 2026replacement reserves

Capital Expenditures, FF&E, and Replacement Reserves in Underwriting

How do reserves for CapEx and FF&E affect underwritten NOI and debt yield? Learn standard lender reserve schedules.

Jul 15, 2026debt covenants

Debt Yield Covenants: Triggers, Cash Sweeps, and Lockbox Rules

What is a debt yield covenant? Learn how lenders use cash traps, lockboxes, and sweeps to protect commercial loans when performance drops.

Jul 15, 2026earn-out

Commercial Loan Holdbacks and Earn-Out Provisions

How do lenders release delayed funding when property debt yields improve? Learn about holdbacks, earn-outs, and credit hurdles.

Jul 15, 2026debt yield

Exit Debt Yield and Stabilized Underwriting in CRE Bridge Loans

How do commercial lenders evaluate bridge loans using Exit Debt Yield? Learn the formulas and stabilized underwriting mechanics.

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