underwriting and offer workspaces · Intermediate

Debt-service convention comparator

Compare proceeds under different underwriting payment conventions. Includes side-by-side payment convention and loan-capacity outputs.

Commercial Debt Advisory EditorialModel 1.0.0Reviewed by Jason Taken · 2026-10-21T19:41:22.818Z

Your assumptions

Illustrative starting values. Replace them with your own evidence. Inputs stay in this browser.

Your scenario, explained

Results

Calculation assumptions

Version 1.0.0 · Educational scenario, subject to the stated assumptions.

How this calculation works

Method and assumptions

Compare first 12 actual monthly payments, 12 interest-only payments, annual amortizing payments at note rate, and annual amortizing payments at the separately entered underwriting rate.

Worked example

For the default $3 million loan at 6.5% with 12 months of interest-only payments, actual first-year debt service is $195,000. Amortizing the same balance over 30 years at the separately entered 7% underwriting rate requires $239,508.90 annually: $44,508.90 more. The lower actual payment does not establish the lender’s underwriting coverage.

Before using the result

Know the boundaries

Educational scenario, not a quote, commitment, approval, appraisal or payoff statement.
Defaults and thresholds are editable illustrations; the executed documents and lender underwriting control.
After interest-only, this tool starts the full entered amortization period. It does not infer a program-specific underwriting rate.

Calculation standards →