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Michael Linton   |   FL Broker License BK703722   |   39 Years Experience   |  (312) 612-1031

Free CRE Tools

Commercial Real Estate Calculators

Run the numbers before you make the call. Florida-specific tools built by Florida CRE broker Michael R. Linton.

Most Popular

Cap Rate Calculator

Instantly calculate cap rates or back into property value

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Financing

DSCR Calculator

Debt service coverage ratio with FL lender minimums

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Financing

Commercial Mortgage Calculator

Monthly payments + full amortization schedule

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Valuation

NOI Calculator

Net operating income from gross income and expenses

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Financing

LTV Calculator

Loan-to-value ratio for financing decisions

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Returns

Cash-on-Cash Return

Annual cash yield on your equity invested

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Tax / 1031

1031 Exchange Boot Calculator

Identify taxable boot in your 1031 exchange

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Tax / 1031

Capital Gains Tax Calculator

Depreciation recapture, federal LTCG, NIIT, and 1031 deferral modeling

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Returns

IRR + Equity Multiple

Multi-year hold pro forma with NOI growth, exit cap, and Newton-Raphson IRR

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Financing

Loan Sizer (DSCR & LTV)

Solve max supportable loan from NOI, DSCR minimum, rate, and LTV cap

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Development

Yield-on-Cost Calculator

Stabilized NOI ÷ total project cost with spread vs market cap

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Underwriting

Break-Even Occupancy

Minimum occupancy required to cover OpEx + debt service

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Florida Only

FL Property Tax Estimator

County millage rates with Year-1 post-acquisition reassessment

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Florida Only

FL Insurance Estimator

Wind, flood, property, GL premiums by asset class and Florida zone

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Valuation

GRM (Gross Rent Multiplier)

Quick price-to-gross-rent screening for multifamily

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Financing

CRE Refinance Analyzer

Current vs new debt, cash out at refi, post-refi DSCR

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JV / Syndication

Waterfall / Promote

Pref return + 3-tier promote splits for JV and syndication

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Florida Only

Florida Doc Stamp Tax

FL-exclusive: documentary stamps, mortgage taxes, intangible tax

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Florida Only

FL Closing Cost Calculator

Full itemized buyer + seller closing cost stack — doc stamps, title, DD, lender fees

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Financing

Debt Yield Calculator

NOI ÷ loan — the cap-rate-independent leverage test every CMBS lender runs

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Development

Loan-to-Cost (LTC)

Construction and value-add leverage sizing across land, hard, soft, and reserves

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JV / Syndication

Sources & Uses

Balance the capital stack — senior, mezz, pref, sponsor, LP — to the dollar

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Leasing

Net Effective Rent (NER)

Normalize face rent for free rent concessions, TI dollars, and annual escalators

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Financing

SBA 504 & 7(a) Calculator

Owner-occupied CRE — bank/CDC splits, monthly P&I, true blended cost

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Financing

Bridge Loan True Cost

All-in annualized rate — interest, origination, exit fee, and legal

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Development

Construction Loan + Reserve

Interest reserve sizing, net usable proceeds, total financing cost

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Valuation

Price Per SF / Per Unit

Benchmark against submarket comps — flag CREDDS undervaluation signals 20%+

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Financing

CMBS Loan Sizer

3-constraint conduit sizing — DSCR, LTV, and debt yield tested simultaneously

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JV / Syndication

Mezzanine & Pref Equity

Bridge senior debt to sponsor equity — model the blended cost of capital

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Tax / 1031

Cost Seg + Bonus Depreciation

Reclassify 20–35% of basis to short recovery — Year-1 tax savings 8–10x study fee

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Underwriting

Lease vs Buy

Total lease cost vs net buy cost — including principal paydown and appreciation

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Underwriting

5–10 Year Pro Forma

NOI growth, debt service, exit value, and equity multiple — institutional projection

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Returns

NPV Calculator

Net Present Value at your hurdle rate — the accept/reject test institutional investors run

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Underwriting

Operating Expense Ratio (OER)

OpEx ÷ EGI by asset class — fastest red-flag check on operating statements

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Leasing

TI Allowance ROI

Quantify TI dollars as % of PV rent and required rent bump to recover

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Underwriting

Hold Period Sensitivity

IRR matrix across hold period and exit cap shifts — institutional stress test

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Financing

Yield Maintenance / Defeasance

CMBS prepayment penalty estimator — PV of lost yield to the lender

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Financing

Hard Money + ARV

Fix-and-flip math — purchase, rehab, carry, selling costs, annualized ROI

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Financing

Wholesale & Flip Calculator

Full wholesale or fix-and-flip pro forma — purchase, repairs, carrying costs, financing (LTV/LTC), and annualized ROI

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Leasing

Rent Escalation + CAM

Fixed, CPI, or stepped escalations alongside CAM reconciliation

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Returns

Risk-Adjusted Return

Sharpe & Sortino vs strategy-bucket benchmarks (core through opportunistic)

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