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NOI Calculator

Calculate your property's Net Operating Income with a detailed income and expense breakdown. NOI drives your DSCR, cap rate, and property valuation.

Income − Expenses
NOI Formula
35–50%
Typical Expense Ratio
Key Metric
For DSCR & Cap Rate
💰

NOI Calculator

Enter income and expenses for a complete analysis

🟢 Income
$
Total rent from all units/tenants
$
Parking, laundry, storage, etc.
%
5–10% is typical for stabilized
🔴 Annual Operating Expenses
$
$
$
Typically 6–10% of gross rent
$
$
Water, trash, common area electric
$
Roof, HVAC, parking lot fund
📎 Optional — For Extended Analysis
$
$
Total annual mortgage payments
Annual Net Operating Income
—
—

🟢 Income Breakdown

Gross Potential Rent
Other Income
Vacancy Loss
Effective Gross Income

🔴 Expense Breakdown

Property Taxes
Insurance
Management
Maintenance
Utilities
Reserves
Total Expenses
Expense Ratio
—
of gross income
Cap Rate
—
if value provided
DSCR
—
if debt provided
Monthly NOI
—
before debt service
Expense Distribution

Need financing based on your NOI?Our advisors match your property's income profile with the right CRE lender.

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Understanding Net Operating Income

NOI is the foundation metric that drives every other CRE calculation.

What NOI Includes

NOI = Effective Gross Income minus Operating Expenses. Income includes all rent and ancillary revenue, adjusted for vacancy. Expenses include property taxes, insurance, management, maintenance, utilities, and reserves. NOI does NOT include mortgage payments, depreciation, or income taxes.

Why NOI Matters for Loans

Lenders use NOI to calculate DSCR (NOI ÷ Debt Service) and property valuation (NOI ÷ Cap Rate). A higher NOI means better DSCR, higher property value, and access to more favorable loan programs. Even small NOI improvements can significantly impact your borrowing power.

Typical Expense Ratios

Multifamily: 35–50% expense ratio. Office: 40–55%. Retail (NNN): 5–15% (tenants pay most expenses). Industrial: 20–35%. If your expense ratio is significantly above these ranges, there may be opportunities to optimize operations and boost NOI.

How to Increase NOI

Revenue side: raise rents to market, add utility reimbursements, reduce vacancy with better marketing, add ancillary income (parking, storage, laundry). Expense side: negotiate property tax appeals, competitive-bid insurance, preventive maintenance programs, and energy efficiency upgrades.

Frequently Asked Questions

Common questions about NOI and CRE property analysis.

Know Your NOI. Unlock Better Financing.

Our advisors analyze your property's income and expenses to maximize your borrowing power — no guesswork, no upfront fees.

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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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