Commercial Mortgage Calculator
Calculate monthly payments, annual debt service, and total interest for any Florida commercial real estate loan — amortizing or interest-only.
Commercial Mortgage Calculator
Payment Breakdown
Commercial loans typically include balloon payments before full amortization. Confirm specific terms with your lender.
How to Use This Calculator
Input your expected loan amount, interest rate, and amortization period. Toggle "Interest-Only" for bridge loan or other IO structures. The calculator returns monthly payment, annual debt service, total interest, and total paid over the loan term.
Current Florida Commercial Mortgage Rates
- Bridge Loans: 7.5–9.5%
- SBA 504: ~6.2% (SBA debenture)
- Multifamily Agency: 5.8–6.5%
- HUD 223(f): ~5.5–6.0%
- CMBS: 6.8–7.5%
- Hard Money: 10–14%
Why Commercial Loans Differ from Residential
Commercial mortgages typically have shorter loan terms (5–10 years) than the amortization period (25–30 years), meaning the loan ends in a balloon payment. They are sized by DSCR, not borrower income. Most carry yield maintenance or defeasance prepayment penalties. See our complete financing guide.
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Submit Your DealInterest rates, loan terms, leverage levels, and pricing references shown on this page are estimates only, based on current Florida commercial real estate market conditions and lender feedback as of the page's last update. They are not commitments to lend, are not loan approvals or pre-qualifications, and do not guarantee any specific loan terms or that financing will be available to any particular borrower or property. Actual interest rates, fees, leverage, amortization, prepayment terms, and other loan terms depend on borrower qualifications (credit, net worth, liquidity, experience), property characteristics, lender-specific underwriting requirements, third-party reports, and market conditions at the time of application. All loans are subject to lender credit approval, underwriting, and applicable federal, state, and local lending regulations. Linton Global Solutions is a Florida-licensed commercial real estate brokerage (FL Broker #BK703722); it is not a lender. Financing is sourced through third-party lender relationships, and final loan terms are determined by the originating lender. This page does not constitute consumer credit advertising under Federal Reserve Board Regulation Z (12 CFR Part 1026) and is intended for informational purposes only for commercial real estate professionals, investors, and owners considering commercial mortgage financing. Past loan terms or transactions do not guarantee future results.