Free CRE Finance Calculators
Quick answer
Kismet Kapital publishes two free commercial real estate calculators: a DSCR and bridge exit calculator that returns a live PITIA debt service coverage ratio, and a mortgage refinance calculator that shows your new payment, monthly savings, and break-even on closing costs. Both run instantly in the browser, require no sign-up, and are free to use.
Free tool
DSCR & Bridge Exit Calculator
Live PITIA DSCR for 1-4 unit rentals and bridge exits — rents in, coverage ratio out.
Calculate PITIA DSCR on a 1-4 unit rental or a bridge exit in seconds. Enter rents, taxes, insurance and your exit rate to see whether the deal clears the 1.25x lenders typically require.
Open the calculatorFree tool
Mortgage Refinance Calculator
Compare quoted refinance pricing — new payment, monthly savings, and break-even on closing costs.
Paste in the refinance terms you've been quoted and instantly see your new monthly payment, monthly savings, and how many months it takes to break even on closing costs. Free, live, no sign-up.
Open the calculatorKey facts
PITIA DSCR is calculated as annual rent divided by the sum of annual debt service, taxes, insurance and HOA fees.
Most DSCR rental lenders require a minimum 1.00x PITIA DSCR, and best pricing typically begins at 1.25x.
Refinance break-even is calculated as total closing costs divided by monthly payment savings.
A break-even period under 24 months is generally considered attractive for an owner planning a longer hold.
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