VICIS Corp Commercial Real Estate Development

Retail Loan Sizer

Use our Retail Loan Sizer to determine the loan amount and down payment to buy or refinance any investment property from apartments to retail spaces.

VICIS Nationwide Commercial Real Estate Development Firm in San Jose
100% Gross Potential Income1 $
100% CAM Reimbursement $
Total Operating Income $
Less Vacancy and Uncollectables2 $
Effective Gross Income $

Less Expenses(3)

  
Taxes $
Insurance $
Utilities $
Management4 $
Trash $
Maintenance & Repairs $
Parking Lot Control $
Administrative $
Miscellaneous $
Total Operating Expenses $ % of TOI
Net Operating Income $

Less

  
Total Sq Ft Sq. Ft.
Capital Reserves4 $
Tenant Improvement Reserves5 $
Leasing Commission Reserves6 $
Total Below Line Expense $
Cash Flow Available to Service Debt $

Calculator

  
Interest Rate %
Repayment Schedule(years) years
Debt Service Coverage7
Loan Amount $

Definitions

  • 1. Sum of all actual income assuming 100% occupancy.
  • 2. Input actual vacancy and uncollectables. If input is less than 5% of Gross Potential Income, model will automatically defaut to greater number.
  • 3. Input actual expenses with necessary adjustments for Taxes and Insurance. Use Miscellaneous as a catch all.
  • 4. Input actual management expenses. If input is less than 5% of Effective Potential Income, model will automatically defaut to greater number.
  • 5. Use greater of $.15/sq. ft. or actual.
  • 6. Use greater of $.60/sq. ft. or actual.
  • 7. Use greater of $.40/sq. ft. or actual.
  • 8. Defaults to 1.2 times.

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