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Debt yield calculator

Compare annual net operating income with the loan amount, then test a lower-income scenario.

Start with the basics

Enter these two amounts, then calculate. You can add a target later.

Advanced optionsOptional target comparison. Your debt yield needs only the two amounts above.

Use annual property income after operating expenses, before loan payments. An optional target lets you compare against your own requirement; it is not a loan approval threshold.

Your result will appear here

Enter the basic information, then select “Calculate debt yield”. We will bring you here when it is ready.

Understand the result

Read the worked exampleInvestor financing hubAll free calculators

Calculating does not send your inputs to a lender or save them to an account. Keep a copy for your records.

Method and sources

Debt yield = annual NOI ÷ principal × 100. Required NOI = principal × target yield. The OCC describes debt yield alongside DSCR and LTV in its commercial real estate lending handbook.

OCC: Commercial Real Estate Lending, page 43

Sources checked October 1, 2026. Educational planning estimates; verify your transaction with appropriate professionals.