Loan Products
CRE Refinancing
Lower your rate or pull equity from existing properties
Owner-Occupied CRE Loan
Finance the building where your business operates
Cash-Out Refinance
Access equity for renovations or new acquisitions
Hard Money Takeout Refi
Exit hard money loans with permanent financing
Investment Property Loan
Acquire income-producing commercial properties
Tenant Improvement Financing
Fund fit-outs to attract quality tenants
Learn & Research
What Is a CRE Loan?
Fundamentals of commercial real estate financing
CRE Loan Requirements
Credit, DSCR, LTV, and documentation standards
CRE Loan Rates
Current rate ranges by property type and loan program
Construction Loans
Ground-up and renovation construction financing
Bridge Loans
Short-term capital while you secure permanent financing
DSCR Loans Guide
Qualify based on property income, not personal income
Document Checklist
Everything lenders require, organized by loan type
CRE Glossary
Definitions for every term lenders use
Fast Approval
Get Your CRE Rate in 24 Hours
Submit once, compare offers from 30+ lenders — no hard credit pull.
Start Application
Browse by Property Type
Office BuildingsRetail PropertiesIndustrialMedical OfficeWarehouseRestaurantHotel & HospitalitySelf-StorageMixed-UseLand & Development
Property Specialists
Not Sure Which Loan Fits Your Property?
Jason Kim and our CRE team have closed $200M+ across every property type.
Talk to a Specialist
SBA Loans
SBA Loans Overview
Government-backed financing with lower down payments
SBA 504 Loans
Long-term fixed-rate financing — 10% down
SBA 7(a) Loans
Flexible working capital and real estate financing
Other Loan Products
Term Loans
Lump-sum financing with fixed repayment schedules
Business Line of Credit
Draw funds as needed, pay interest only on what you use
Business Loan Refinancing
Lower your rate or consolidate existing debt
Equipment Financing
Purchase or lease business-critical equipment
SBA Certified
SBA 504 Rates as Low as 6.5%
Lock in long-term fixed rates for owner-occupied CRE with just 10% down.
Check SBA Eligibility
Free CRE Financial Tools
DSCR CalculatorCommercial MortgageLTV CalculatorCap Rate CalculatorNOI CalculatorSBA 504 CalculatorRefinance Break-EvenCash-Out EquityCash-on-Cash ReturnYield Maintenance
10 Free Tools
Run Your Numbers Before You Apply
DSCR, cap rate, LTV, NOI — every metric lenders look at, built for CRE.
View All Calculators
Articles & Guides
Article Hub
107 expert articles on CRE financing, strategy, and tips
Capital Insights
Market commentary and lending analysis from our team
Property Type Hub
Sector-specific financing guides for every property type
Reference & Support
CRE Hub
Commercial Real Estate Hub
FAQ
Quick answers to the most common borrower questions
How It Works
Our 3-step lender matching process explained
About BestLoanUSA
Our story, team, and commitment to CRE borrowers
Commercial Real Estate Hub
CRE Loan Hub
Commercial Real Estate Financing Hub with Property Types, Calculators, and Most of CRE Financing Options  
Download Free
⚠️ Risk Analysis

Break-Even Occupancy Calculator

Calculate the minimum occupancy rate your property needs to cover all expenses and debt service. Measure your vacancy cushion and downside risk.

80–90%
Typical Break-Even
Exp+Debt ÷ GPI
Formula
Risk Gauge
Key Purpose
🛡

Break-Even Occupancy Calculator

Find your minimum occupancy to stay cash-flow positive

$
Total rent at 100% occupancy
$
Taxes, insurance, mgmt, maintenance
$
Total mortgage payments per year
%
Your current occupancy rate
$
Parking, laundry, late fees, etc.
Break-Even Occupancy Rate
—
—
0%Break-Even100%
Break-Even Rate
—
Current Occupancy
—
Vacancy Cushion
—
before break-even
Annual Cash Flow
—
at current occupancy

Need to improve your vacancy cushion?Our advisors help restructure deals for more breathing room.

Get Pre-Assessed Free →

Understanding Break-Even Occupancy

The key risk metric that tells you how much vacancy your property can absorb.

The Formula

Break-Even Occupancy = (Operating Expenses + Debt Service - Other Income) ÷ Gross Potential Income × 100. The result tells you the minimum occupancy needed to cover all obligations. Below this point, you are losing money every month.

What Is a Good Vacancy Cushion?

Your vacancy cushion is Current Occupancy minus Break-Even Occupancy. A cushion of 10%+ is comfortable. 5–10% is acceptable. Below 5% means one or two tenant departures could put you underwater. Lenders look for cushions of 8%+ to approve financing.

How Lenders Use This

Lenders calculate break-even occupancy to assess downside risk. If break-even is 92% in a market with 15% average vacancy, the deal is risky. If break-even is 75% in the same market, there is a comfortable 10% cushion even in a downturn.

Reducing Break-Even Occupancy

Three levers: (1) Reduce operating expenses, (2) Reduce debt service (lower rate, longer amortization, larger down payment), (3) Increase per-unit rent to raise GPI. Our advisors model these scenarios to find the optimal deal structure.

Frequently Asked Questions

Common questions about break-even occupancy.

Know Your Risk. Structure Your Deal.

Our advisors analyze break-even occupancy and help structure financing for maximum vacancy cushion and cash flow safety.

Get Risk Analysis →

CRE CALCULATORS

23 Professional-Grade Financial Tools

Run the same numbers your lender runs — before you apply. Every calculator is free, instant, and requires no signup.

Loan Analysis

Investment Returns

Refinance & Costs

Lease & Valuation

Open Calculator Hub →
Our 6 commitments to every borrower

Other lenders make promises.
We put them in writing.

Every commitment below exists because real borrowers got burned without it. We built BestLoanUSA to be the lender we wished existed.

$0
Hidden Fees
No surprise charges at closing. Every cost disclosed upfront in writing before you commit.
48hr
Pre-Qualification
Know where you stand within one business day — not weeks or months of silence.
1
Dedicated Advisor
One point of contact from application to closing. No handoffs, no ghosting, no runaround.
Day 1
Complete Checklist
Full document requirements on your first call. No mid-process surprises asking for "one more thing."
100%
Upfront Pricing
The rate and terms you're quoted are the rate and terms you close on. Period.
5 min
Application
One simple form, multiple lender options. Stop repeating yourself to dozens of brokers.
Start Your Free Application →

· No commitment required

Why borrowers switch to us

Five things your last lender should have done.

Borrowers don't come to us because lending is complicated. They come because someone else made it harder than it needed to be.

  1. 1
    48 hours to clarity. You'll know exactly where you stand — not wonder for months.
  2. 2
    Every dollar in writing. The rate and fees you see on day one are the ones you sign at closing.
  3. 3
    One advisor, start to finish. No handoffs. No vanishing acts. One person who knows your deal.
  4. 4
    Full checklist, first call. Every document listed upfront. No mid-process surprises.
  5. 5
    We earn when you close. No upfront fees. Our only incentive is your funded deal.
“I’ve spent over a decade watching good borrowers lose money to a broken process. BestLoanUSA exists so that stops happening.”
JK
Jason Kim
Managing Director, Commercial Lending
See the difference yourself →