Real Estate
Rental Property Amortization Calculator
Amortize scheduled and extra payments to the holding date, then separate ending balance, principal repaid, interest paid, cash debt service, and NOI coverage.
Opening loan principal-
Scheduled monthly payment-
Planned monthly debt payment-
Modeled payments during holding period-
Loan balance at end of holding period-
Principal repaid during holding period-
Debt service paid during holding period-
Modeled interest paid during holding period-
Opening debt-service coverage ratio-
NOI in final holding year-
Decision view
Rental loan holding-period amortization
Rental loan holding-period amortizationScheduled payment, extra principal, ending balance, principal, interest, and NOI coverage remain independently visible.
Exact scenario comparisonAdditional monthly principal payment changes while all other entered assumptions remain constant.
| Additional monthly principal payment | Opening loan principal | Scheduled monthly payment | Planned monthly debt payment | Modeled payments during holding period | Loan balance at end of holding period | Principal repaid during holding period | Debt service paid during holding period | Modeled interest paid during holding period | Opening debt-service coverage ratio | NOI in final holding year |
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Period-by-period detail
Complete monthly rental-loan amortization
How to use Rental Property Amortization Calculator
- Confirm property price, down payment, rate, and term.
- Enter only sustainable extra principal.
- Compare the ending balance with sale or refinance plans.
Calculator guide
Understanding Rental Property Amortization Calculator
A rental loan should be reviewed through the planned holding period, not only through its full contractual term.
Calculation method
How the calculation works
Amortize the rental-property loan with an explicit extra payment through the holding horizon, separating balance, principal, interest, debt service, and NOI coverage references. Calculate fixed monthly payment, add entered extra principal, roll the balance through holding months, and compare annual NOI with annual planned debt service.
Ownership horizon
Connect amortization to the exit plan
Principal reduction matters only alongside property cash flow and exit proceeds.
Worked situations
Practical examples
- Extra principal lowers ending balance.
- Cash debt service includes principal and interest.
- Opening DSCR uses opening NOI and planned annual debt service.
Better inputs
Useful tips
- Model vacancy and capital expenditures separately.
- Use lender payment conventions.
- Stress-test NOI and refinancing rate.
Before relying on the result
Limitations and common mistakes
- Vacancy, reserves, taxes, insurance, capital expenditures, appreciation, sale cost, tax effects, refinancing, and lender underwriting are excluded.
- NOI grows annually at one rate.
- Prepayment rules may differ.
Reference
Key terms
- Holding period
- Years the property is planned to be owned in this model.
- Ending balance
- Loan principal remaining at the holding date.
- Principal repaid
- Opening loan minus ending balance.
- DSCR
- Annual NOI divided by annual planned debt service.
Important note
Calculated from the entered property and financing assumptions. It does not replace lender, appraisal, legal, tax, or investment review.
Frequently asked questions
Does ending balance include sale costs?
No.
Is extra payment applied monthly?
Yes.
Does NOI include debt service?
No; NOI is compared with debt service.
Is appreciation modeled?
No.