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Real Estate Loan Sizing Calculator
Part of the Cactus Guide series, this page explains how to use a loan sizing calculator to determine optimal financing parameters for your real estate deals.
The Real Estate Loan Sizing Calculator is Cactus’s automated commercial real estate loan sizing tool that applies your lender’s LTV (loan‑to‑value) and DSCR (debt‑service coverage ratio) thresholds to calculate the maximum loan amount you can secure for any property. By ingesting acquisition costs, net operating income (NOI), and current debt terms, extracted automatically via AI Document Extraction for Real Estate and Rent Roll & Unit Mix Automation, this feature delivers precise loan estimates in seconds. Live market data from Live Interest Rates & Loan Spread Integration ensures your interest‑rate assumptions match today’s spreads, so your LTV and DSCR calculations reflect real‑time financing conditions
.Beyond upfront loan sizing, outputs flow seamlessly into deeper analysis workflows. Push your debt assumptions into the Refinancing Impact Calculator to model cash‑out and refinance scenarios, or layer in mezzanine and seller financing with Multi‑Tier Debt & Seller Financing Modeling. Clean loan‑sizing data then populates the Real Estate DCF Analysis Tool for discounted cash flow valuations and the Real Estate Sensitivity Analysis Tool for interactive stress tests, enabling data‑driven underwriting decisions without manual spreadsheet work. Integrate your results into Quick Analysis and Custom KPI Tracking for Real Estate Deals to enforce consistent financing discipline and scale your deal flow with confidence.
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In commercial real estate underwriting, every minute spent on data entry is a minute not spent finding and closing deals. Auto Extraction leverages our proprietary extraction engine to convert PDFs, rent rolls, spreadsheets, and offering memoranda into fully mapped underwriting inputs, in seconds. Just drag and drop your source files and Cactus immediately feeds clean, consistent data into your deal models.
The Real Estate Loan Sizing Calculator puts precise debt‑sizing in your hands by combining acquisition costs and net operating income—automatically pulled from AI Document Extraction and Rent Roll & Unit Mix Automation, with live rate feeds from Live Interest Rates & Loan Spread Integration. You get instant LTV and DSCR‑based loan amounts that match current market spreads, so every financing assumption is accurate and up to date.
That clean debt‑sizing output then powers deeper analysis, feeding refinance scenarios in the Refinancing Impact Calculator, layered structures in Multi‑Tier Debt & Seller Financing Modeling, and valuation updates in the Real Estate DCF Analysis Tool. No more manual spreadsheet work, no more outdated rate inputs, just reliable, audit‑ready loan figures that keep your underwriting fast, precise, and fully integrated., DCF valuations, and comparables database. The payoff? Faster deal screening, more reliable cash‑flow forecasts, and extra bandwidth for high‑impact tasks like market analysis and exit‑strategy planning.
Accurate LTV and DSCR calculations, powered by live interest rates and AI‑extracted NOI, ensure your loan amount estimates mirror current market realities.
Automated data from AI Document Extraction and Rent Roll & Unit Mix Automation feeds straight into loan sizing and DCF tools, eliminating error‑prone spreadsheet hand‑offs.
Instant loan amount outputs shave days off LOI preparation and lender negotiations, so you can lock in debt terms sooner and keep deals moving.
Automating debt sizing frees your team to analyze three times more opportunities without headcount increases, boosting pipeline throughput and ROI.
Getting the debt structure right is a critical step in any commercial real estate deal, and the Real Estate Loan Sizing Calculator makes it fast and foolproof. By combining acquisition costs and net operating income, pulled automatically through AI Document Extraction for Real Estate and Rent Roll & Unit Mix Automation, with live market spreads from Live Interest Rates & Loan Spread Integration, you get precise LTV and DSCR‑based loan estimates in seconds. That means you can size your financing to match lender requirements from the start, avoid costly spreadsheet errors, and move confidently into LOI negotiations.
Seamless integration with Refinancing Impact Calculator, Multi‑Tier Debt & Seller Financing Modeling, and the Real Estate DCF Analysis Tool keeps your entire underwriting workflow in sync. Clean debt‑sizing outputs feed directly into Quick Analysis and Custom KPI Tracking for real‑time IRR and cash‑on‑cash projections, so you spend less time on manual data entry and more time closing deals. Ready to lock in the right financing for your next acquisition? Explore the Real Estate Loan Sizing Calculator today and see how precise debt sizing can accelerate your underwriting process.
When you’re evaluating a new property acquisition, precise commercial real estate loan sizing is non‑negotiable. Cactus’s Real Estate Loan Sizing Calculator pulls in acquisition costs and net operating income, extracted instantly via AI Document Extraction for Real Estate and Rent Roll & Unit Mix Automation, then applies your lender’s LTV and DSCR thresholds alongside live market spreads from Live Interest Rates & Loan Spread Integration. Within seconds, you have an accurate maximum loan amount that reflects current underwriting standards and ensures your LOI assumptions are rock‑solid.
That debt‑sizing output feeds straight into Quick Analysis, updating IRR, cash‑on‑cash return, and equity multiple projections in real time. From there, launch your Real Estate DCF Analysis Tool to validate valuation models or the Real Estate Sensitivity Analysis Tool to stress‑test financing and exit scenarios. Automating this underwriting workflow slashes data‑prep time, reduces human error, and lets you draft lender‑ready LOIs faster, so you win more bids and scale deal volume without growing headcount.
Not all deals are the same, and Cactus reflects that reality with industry‑trained parsing models tailored to self‑storage, multifamily, retail and industrial assets. When a self‑storage rent roll arrives, the system recognizes unit types, square footage and occupancy flags; a multifamily expense sheet triggers precise mapping of T‑12 categories like property management, taxes and utilities. That custom field‑mapping engine ensures “CAM charges” or “other income” always land in the correct line item, eliminating manual rework.
What’s more, every manual tweak, whether correcting a low‑confidence lease expiration date or reassigning a unique expense header, feeds back into the machine‑learning model. Over time, extraction accuracy climbs past 95%, and your firm’s proprietary comps library grows richer with normalized market benchmarks. This continuous‑learning loop means Cactus Auto Extraction adapts to your underwriting style, tightening data consistency and driving down error rates on repeat deal types.
When market rates shift, timely refinance scenario analysis can unlock trapped equity and optimize your portfolio’s returns. The Loan Sizing Calculator recalculates maximum financing capacity based on updated property valuations and current DSCR requirements. Pair it with live spreads via Live Interest Rates & Loan Spread Integration to model new debt structures in the Refinancing Impact Calculator, seeing your IRR, DSCR, and cash‑on‑cash return adjust in real time.
Refinance outputs then feed into the Real Estate Market Analytics and Real Estate Comps Generator, enriching your proprietary comps library with normalized debt metrics. Run “what‑if” stress tests in the Real Estate Sensitivity Analysis Tool to identify risk thresholds and timing windows. Finally, track performance with Custom KPI Tracking for Real Estate Deals, ensuring every refinance delivers measurable gains. This automated refinance workflow gives you the data‑driven insights needed to maximize equity, reduce financing costs, and drive portfolio growth.
Schedule a one-on-one call with a member of the Cactus team to see how we can help you move faster, underwrite with confidence, and win more deals.
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