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Loan Sizing

Size a multifamily loan the way lenders do: the lower of the loan-to-value limit and the debt service coverage limit.

Max loan (lower of the two)$19,500,000
Constrained byLTV
Loan at max LTV$19,500,000
Loan at min DSCR (amortizing)$19,802,151
Loan at min DSCR (interest-only)$23,606,557
Annual debt service at max loan$1,418,028
Debt yield at max loan9.23%

With the 10-year above 5%, most Houston deals are sizing on coverage, not leverage. If DSCR is the binding constraint, a lower rate or interest-only period adds proceeds faster than a higher LTV quote.

For education only. Not investment, tax or legal advice.

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