LEAR
Back to calculations
Debt Yield illustration

Real Estate · Loan

Debt Yield

Preview

The calculator is free to use. A subscription unlocks saving deals, one-click PDF reports, and your full project history.

Subscribe to unlockCompare plans

Run any calculator for free. Subscribe to save results, export branded reports, and sync across web and mobile. Billing via PayPal.

Use debt yield as a lender-focused view of income relative to debt exposure.

Browse all calculators

Interactive workbench

Loan risk screen

Net Operating Income / Loan Amount

$150,000 NOI on a $1,200,000 loan equals a 12.5% debt yield.

Check your inputs before you rely on the result — calculations are informational only and depend entirely on the numbers you enter. See our Terms.

Variables and units

  • Net Operating Income

    Income after operating expenses.

    currency

  • Loan Amount

    Total loan amount.

    currency

Common mistakes

  • Using property value as denominator.
  • Treating debt yield and cap rate as interchangeable.

Step-by-step example

Loan risk screen

$150,000 NOI on a $1,200,000 loan equals a 12.5% debt yield.