• (800) 510-2214
  • info@albcommercialcapital.com
  • Cal BRE License #01379610
  • (800) 510-2214
  • info@albcommercialcapital.com
  • Cal BRE License #01379610
Overview Of Loan Programs | ALB Commercial Capital

Mortgage Calculator For Retail Store Financing

If you are looking into purchasing investment property for a retail store, use this mortgage calculator to assist in the decision-making process. Commercial lending is all based on the commercial real estate and commercial loan rates. By plugging in the correct commercial mortgage rates and other numbers, you can get a good idea of what type of mortgage loan an income property will support. To speak with an experienced retail store financing officer contact our income property loan headquarters at (800) 510-2214.

Input your data and hit the "Tab" key to see the results:

100% Gross Potential Income(1) $
100% CAM Reimbursement $
Total Operating Income $
Less Vacancy and Uncollectables(2) $
Effective Gross Income $

Less Expenses(3)
Taxes $
Insurance $
Utilities $
Management(8) $
Trash $
Maintenance & Repairs $
Parking Lot Control $
Administrative $
Miscellaneous $
Total Operating Expenses $ % of TOI

Net Operating Income $
Total Sq Ft    Sq. Ft.
Capital Reserves(4) $
Tenant Improvement Reserves(5) $
Leasing Commission Reserves(6) $
Total Below Line Expense $
Cash Flow Available to Service Debt $


Mortgage Interest Rate    %
Repayment Schedule (years)     years
Debt Service Coverage(7)    
Loan Amount $


  1. Sum of all actual income assuming 100% occupancy
  2. Input actual vacancy and uncollectabes. 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 than $ 250/door or actual
  6. Defaults to 1.2 times

* Information is made available to you as self-help tools for your independent use. We can not and do not guarantee its accuracy or its applicability to your circumstances. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.