Analytical Tools
Built around the figures a credit committee actually decides on. Everything runs in the browser — nothing entered here is transmitted or stored.
Maximum Loan Sizing
The most useful number in a commercial financing conversation: what the property’s income will actually support at a given coverage requirement, versus what value alone suggests.
- Constrained by
- LTV
- DSCR-constrained
- $9,203,359
- LTV-constrained
- $8,400,000
- Annual debt service
- $620,643
- Monthly payment
- $51,720
- Debt yield
- 10.12%
- Implied cap rate
- 7.08%
Indicative only. Actual proceeds depend on lender, asset class, market, sponsor and third-party reports.
Coverage and Debt Yield
The two coverage tests a credit committee runs first. Debt yield is the one most borrowers have never heard of and the one that increasingly decides the outcome.
Debt yield is NOI divided by the loan amount. Unlike DSCR and LTV it ignores both the interest rate and the appraisal, so lenders use it as a rate-independent floor on leverage. Most conventional lenders want to see at least 9–10%.
- Debt yield
- 10.63%
- Annual debt service
- $591,089
- Monthly payment
- $49,257
- Break-even NOI
- $591,089
- Read
- Comfortable
Section 1031 Exchange Deadlines
Both deadlines run from the closing date of your relinquished property, they include weekends and holidays, and they are not extendable. Missing either one ends the exchange.
A qualified intermediary must be engaged before the sale closes — you cannot take receipt of the proceeds. ITCP works alongside Equicap 1031 Exchange, a Houston-based qualified intermediary, and can make an introduction.
- Days remaining
- —
- 180-day closing deadline
- —
- Days remaining
- —
The 180-day period may be cut short by your tax return due date. Confirm with your CPA.
This calculator is provided for general informational and educational purposes only and does not constitute tax, legal, or accounting advice. Iron Trust Capital Partners is not a certified public accountant, attorney, or qualified intermediary. Results are estimates based solely on the dates you enter and on general rules under Section 1031 of the Internal Revenue Code, including the 45-day identification period and the 180-day exchange period (which may end sooner if your tax return, including extensions, is due first). These deadlines are counted in calendar days and generally are not extended for weekends or holidays, though limited extensions may apply in federally declared disaster areas. Tax laws and IRS guidance can change, and your specific situation may involve rules not reflected here. Missing a deadline can disqualify your exchange and result in significant tax liability, so you should confirm all dates and requirements with your qualified intermediary, CPA, and/or tax attorney before relying on these results. Iron Trust Capital Partners makes no guarantee as to the accuracy or completeness of this tool and assumes no liability for any decisions made based on its output.
Cost Segregation Estimate
A rough first-pass estimate of how much of a building’s basis might be reclassified into shorter depreciation lives, and what that could be worth in year one.
- Depreciable basis
- $9,600,000
- Est. reclassified
- $2,400,000
- Vs. straight-line yr 1
- $349,091 s/l
ITCP works alongside Segra Tax Advisory on cost segregation. Reclassification percentages to be reviewed by Segra before launch.
This calculator is provided for general informational and educational purposes only and does not constitute tax, legal, or accounting advice. Iron Trust Capital Partners is not a certified public accountant, attorney, or cost segregation engineer. Results are rough estimates based on general industry assumptions and the information you enter; they are not a substitute for a formal cost segregation study performed by a qualified professional. Actual reclassification percentages, depreciation deductions, and tax savings will vary based on property type, construction details, acquisition date, basis, and your individual tax situation. Factors such as bonus depreciation rules, passive activity limitations, depreciation recapture upon sale, and state tax treatment are not fully reflected in this estimate, and applicable tax laws may change. The IRS may review or challenge cost segregation results. Please consult a CPA or tax professional before making any tax, investment, or financial decisions. Iron Trust Capital Partners makes no guarantee as to the accuracy or completeness of this tool and assumes no liability for any decisions made based on its output.
These are estimates. A lender’s answer is not.
The figures produced by these tools are indicative. Written terms from active capital sources follow a formal submission.