Tools · Calculator
Debt Yield
Net Operating Income divided by loan amount. A rate- and value-independent check on leverage — what the lender earns on every dollar lent if they had to take the keys.
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Result
Debt Yield
9.33%
Tight
8–10% is workable but tight. Expect a smaller loan, a higher spread, or both.
Debt yield is the lender's preferred sanity check because, unlike DSCR or LTV, it does not move with interest rates or appraisals. Senior real-estate lenders typically want 9–10%+ on stabilised assets; construction and transitional deals run higher.