Commercial Mortgage Processing Made Simple™
Net Cash Flow Calculator
 Loan Request Amount $
 Years $
 Interest Rate $
 Monthly P&I Payment $

Commercial Property Annual Cash Flow Data
 Monthly Gross Potential Rent *
 (based on actual rents of occupied units, plus street rent of vacant units)
 $
 Calculated Annual Gross Potential Rent
 $
 Estimated Vacancy and Collection Loss* 
 (Based on actual historical experience - Use percent, not decimal.)

%

$
 Annual other income
 $
 Projected Effective Gross Income
 $

 Annual Expense
 Advertising and Leasing Commissions*
 $
 Utilities*
 (Include heating, electricity, water and sewer)
 $
 Refuse Collection and Disposal*
 $
 Cleaning Supplies and Expenses*
 $
 Repairs and Maintenance Expenses*
 $
 Salaries and Benefits
 $
 Professional and Administrative Fees
 $
 Property Management Fees

%

$
 Other Operating Expenses*
 $
 ANNUAL OPERATING and MANAGEMENT EXPENSES
 $
 Annual Real Estate Taxes*
 $
 Annual Insurance Expenses*
 $
 TOTAL ANNUAL PROPERTY EXPENSES
 $
 ANNUAL NET OPERATING INCOME (NOI)
 $
 Required Annual Debt Service Payments (12 x Monthly Pmt)
 $

 ANNUAL NET CASH FLOW
 $