Questions to take into the decision
- Does the amortization extend beyond loan maturity?
- What balance must be refinanced at maturity?
- Does NOI cover the full annual debt service?
Texas, TX · COMMERCIAL DEBT DESK
The property.
The payment.
The exit.
Build a clearer capital plan for Texas. See debt service, test property income and face the balance due at maturity.
✓ No signup to calculate✓ Your own term-sheet assumptions
THE CAPITAL PLAN, IN FOCUS01 / COMMERCIAL
ILLUSTRATIVE MONTHLY DEBT SERVICE$2,275/mo
BALANCE AT MONTH 60$337,000 ↗A 5-year maturity leaves a balloon.$360,000 loan · 6.5% annual interest · 30-year amortization
Illustrative assumptions. Fees and property costs are additional.
MODEL THE REPAYMENT. PLAN THE MATURITY.↗
BEYOND THE HEADLINE RATE
Separate the payment
from the exit.
ILLUSTRATIVE ANNUAL DEBT SERVICE$27,30512 scheduled principal-and-interest payments
ILLUSTRATIVE MATURITY BALANCE$337,000Due after 60 payments · no refinance assumed
Bring in the property income ↗texascommercialrealestateloans.com
The local part of
your bigger picture.
A shared calculation method, with a property-specific checklist. Start with the actual property’s documents.
01 · START WITH THE PARCEL
Texas, TX
Confirm the property’s assessor, tax collector, association obligations and insurance costs. No city tax rate or median home price is assumed by this portal.
Find official local government ↗Your property checklist
YOUR FOCUSED DECISION DESK
Underwrite the payment, maturity and cash-flow exposure together.
Build the evidence before the estimate
- Current rent roll and operating statement
- Loan term sheet, amortization and balloon date
- Reserve, covenant and guaranty requirements
The portal's focus changes the tools and questions. Loan arithmetic stays consistent across the network.
THE MORTGAGE WORKSPACE
Less guessing.
More knowing.
Follow one question, or work through the whole decision. Every tool shares the same transparent calculation core.
01 ↗
Commercial mortgage & balloon
Separate the repayment amortization from the loan’s actual maturity.
02 ↗Debt-service coverage
Compare net operating income with debt service over the same annual period.
03 ↗Construction draw finance
Model interest on the funds actually drawn in an explicit monthly draw schedule.
04 ↗Bridge-loan carrying cost
See interest, entry/exit fees and the repayment balance before relying on an exit.
05 ↗Interest-only payment
See the monthly interest charge while keeping the full principal visible.
06 ↗Loan-estimate holding-period comparison
Compare fees, points, interest and equity over the same intended ownership period.
A CLEARER CAPITAL DECISION
One monthly payment.
A longer view of debt.
What does the property earn? When does the loan mature? What remains to repay? Put the operating budget and the financing terms in the same picture.
Test property coverage ↗CONNECTED BY DESIGN
Your focused desk.
A wider perspective.
Explore city, state and specialist workspaces across the MITEY U.S. network. Keep the same transparent calculation methods wherever you plan.
THE FIELD GUIDE
A little clarity goes
a very long way.
FIELD NOTE / 01
The number beyond principal & interest
Build a payment that reflects the home you will actually own.
Read the guide ↗FIELD NOTE / 02Compare the loan, not just the rate
Turn two Loan Estimates into a useful side-by-side decision.
Read the guide ↗FIELD NOTE / 03When does refinancing earn its keep?
Compare the monthly benefit, upfront cost and time horizon.
Read the guide ↗THE LOCAL DECISION FILE
A plan for the place behind the mortgage.
Explore Texas place references, dated official resources and the questions to carry into a property-specific budget.
CLEAR ANSWERS / Commercial Debt Desk
Understand the number.
Know what comes next.
Answers about this planning method. Confirm actual loan and property terms with the appropriate source.
Why does the example leave a balloon?
The example amortizes payments over thirty years but matures after sixty months. Those payments have not repaid all principal; the remaining balance is due at the modeled maturity.
Does the calculator guarantee a refinance?
No. The balance is shown without assuming another loan will be available. Underwriting, extensions, covenants and reserve requirements need a specific term sheet.
How should I test property-income coverage?
Compare annual net operating income and annual debt service over the same period. Confirm the lender’s income and expense definitions; gross rent is not automatically NOI.