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CRE Refinancing
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Exit hard money loans with permanent financing
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Acquire income-producing commercial properties
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Fund fit-outs to attract quality tenants
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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
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Qualify based on property income, not personal income
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DSCR CalculatorCommercial MortgageLTV CalculatorCap Rate CalculatorNOI CalculatorSBA 504 CalculatorRefinance Break-EvenCash-Out EquityCash-on-Cash ReturnYield Maintenance
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About BestLoanUSA
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CRE Loan Hub
Commercial Real Estate Financing Hub with Property Types, Calculators, and Most of CRE Financing Options  
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Cap Rate Calculator

Calculate capitalization rate, estimate property value from NOI, or find the NOI needed to hit your target cap rate. The essential CRE investment metric.

5–8%
Typical CRE Cap Rates
NOI ÷ Value
Cap Rate Formula
Unlevered
Return Metric
🎯

Cap Rate Calculator

Three calculation modes for any scenario

$
Net Operating Income (rent minus expenses)
$
Purchase price or current market value
$
Property's net operating income
%
Your desired capitalization rate
$
Purchase price or asking price
%
Cap rate you need to achieve
Capitalization Rate
—
—
Annual NOI
—
Property Value
—
Monthly NOI
—
before debt service

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Understanding Cap Rate

The capitalization rate is the most fundamental metric in commercial real estate investing.

What Cap Rate Tells You

Cap rate represents the unlevered return on a property — the annual yield you'd earn if you paid all cash with no mortgage. It lets you compare properties regardless of financing structure, size, or location on an apples-to-apples basis.

Higher vs. Lower Cap Rates

Higher cap rates (7–10%+) mean higher returns but usually higher risk — secondary markets, older buildings, shorter leases. Lower cap rates (4–6%) indicate prime locations, long-term tenants, and institutional-quality assets with less upside potential.

Cap Rate vs. Cash-on-Cash

Cap rate ignores financing. Cash-on-cash return measures your actual return on invested equity after debt service. A 6% cap rate property financed at 75% LTV with a 6.5% mortgage might yield 8–12% cash-on-cash due to leverage amplification.

Using Cap Rate to Negotiate

If market cap rates for similar properties are 7% and a seller prices at a 5.5% cap, the property may be overpriced. Conversely, buying at an above-market cap rate can indicate a value opportunity or hidden risk requiring due diligence.

Average Cap Rates by Property Type

Current market cap rate ranges across major CRE asset classes.

Property TypeCap Rate RangeRisk ProfileTypical Investors
Multifamily (Class A)4.5% – 5.5%LowInstitutional, REIT, HNWI
Multifamily (Class B/C)5.5% – 7.5%Low-MediumValue-add investors
Industrial / Warehouse5.0% – 7.0%Low-MediumInstitutional, logistics
Retail (NNN Lease)5.5% – 7.0%MediumPassive investors
Office (Suburban)6.5% – 8.5%Medium-HighValue-add, regional investors
Medical Office5.5% – 7.0%Low-MediumSpecialized CRE investors
Hotel / Hospitality7.0% – 10%+HighExperienced operators
Self-Storage5.5% – 8.0%MediumOperators, syndicators

Frequently Asked Questions

Common questions about cap rates and CRE investment analysis.

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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

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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
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JK
Jason Kim
Managing Director, Commercial Lending
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