Resources · KW Commercial

Rate Sensitivity Analyzer

See what each quarter point does to your debt service, your DSCR and your balloon. Run one asset or your whole portfolio — the math is the same math your lenders use.

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One asset

Sample numbers. Replace them with yours.

Address (optional)

Purchase or refinance

The number I have is the

Purchase price

NOI per year (optional)

Down payments to test (%)

Your rate %

Rates above and below

Step between rates

Amortization

Rates are your assumptions. Lender partners: talk to us about featuring your current rates here.

At 6.50% with 20% down (a $1,600,000 loan), the payment is $10,803 a month, $129,640 a year. After 7 years you would still owe $1,373,487.

Each quarter point costs $3,015 a year. Interest-only payment at 6.50%: $8,667/mo.

Annual debt service across rates

20% down — $1,600,000 loan

6.00%

Monthly: $10,309
Annual debt service: $123,706
DSCR: 1.21
Balance after 7 yrs: $1,359,712

6.50%Your rate ●

Monthly: $10,803
Annual debt service: $129,640
DSCR: 1.16
Balance after 7 yrs: $1,373,487

7.00%

Monthly: $11,308
Annual debt service: $135,702
DSCR: 1.11
Balance after 7 yrs: $1,386,688

Want the full picture of your asset?

We'll run the broader version: what lenders will actually size the loan to, the rent roll and trailing-12 P&L behind it, and whether holding, refinancing, leasing up or selling makes the most sense. We often tell owners it isn't the best time to sell. Sharing your numbers commits you to nothing.

1. Estimates for discussion. Lenders set actual rates, terms and loan amounts. Figures assume a fixed rate and monthly payments, with the remaining balance due at the end of the term; on interest-only, the full loan is still owed then.

2. This rate sensitivity analysis is provided courtesy of the team at ProsperityCommercial.com, powered by KW Commercial.

3. Keller Williams Realty International (KWRI), ranked the No. 1 real estate franchise in America by T3 Sixty for the ninth straight year: $370,700,000,000 in U.S. sales volume in 2025, 136,511 U.S. agents and 1,000+ market centers worldwide. That means boots on the ground near every asset in your portfolio. Sources: T3 Sixty Real Estate Almanac via Keller Williams, April 2026; Keller Williams, December 2025.