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Retail Strip Center
Sensitivity Analysis
Loan amount

$5,000,000.00

  
Interest rate

8.75%
Amortization (months) 300
Expenses related to occupancy $180,000.00
Total expenses
   		$280,687.00
Vacancy rate
 24.00%
  Floor or building Total square feet Occupied square feet Average annual rate
1
  		64,780 49,233 $20.88
Occupancy rate sensitivity analysis

Percent leased  

Gross  income

Loss of income

Total    expenses

      NOI

Debt   service

Cash flow

DSC
100.00

1,352,606

 0 337,529 1,015,077 493,286 521,791 2.06
97.60 1,320,144 32,463 331,845 988,299 493,286 495,013 2.00
95.20 1,287,681 64,925 326,161 961,520 493,286 468,234 1.95
92.80 1,255,219 97,388 320,476 934,743 493,286 441,457 1.89
90.40 1,222,756 129,850 314,792 907,964 493,286 414,678 1.84
88.00 1,190,294 162,313 309,108 881,186 493,286 387,899 1.79
85.60 1,157,831 194,775 303,424 854,407 493,286 361,121 1.73
83.20 1,125,369 227,238 297,740 827,629 493,286 334,342 1.68
80.80 1,092,906 259,700 292,055 800,851 493,286 307,565 1.62
78.40 1,060,443 292,163 286,371 774,072 493,286 280,786 1.57
*76.00 1,027,981 324,626 280,687 747,294 493,286 254,008 1.51
73.60 995,518 357,088 275,003 720,515 493,286 227,229 1.46
* Based on user input  
57.22% Break even at stabilized rent

    
Interest rate sensitivity analysis
Interest rate %   Existing income   Loss of income Total    expenses        NOI

Debt   service

Cash flow

DSC
7.75 1,027,981 324,626 280,687 747,294 453,192 294,102 1.65
8.00 1,027,981 324,625 280,687 747,294 463,092 284,202 1.61
8.25 1,027,981 324,625 280,687 747,294 473,076 274,218 1.58
8.50 1,027,981 324,625 280,687 747,294 483,132 264,162 1.55
*8.75 1,027,981 324,625 280,687 747,294 493,284 254,010 1.51
9.00 1,027,981 324,625 280,687 747,294 503,520 243,774 1.48
9.25 1,027,981 324,625 280,687 747,294 513,828 233,466 1.45
9.50 1,027,981 324,625 280,687 747,294 524,220 223,074 1.43
9.75 1,027,981 324,625 280,687 747,294 534,684 212,610 1.40
10.00 1,027,981 324,625 280,687 747,294 545,220 202,074 1.37
10.25 1,027,981 324,625 280,687 747,294 555,828 191,466 1.34
10.50 1,027,981 324,625 280,687 747,294 566,508 180,786 1.32
* Based on user input  
14.54% Interest rate break even percent

    
Rental rate sensitivity analysis
Weighted rent rate Gross  income Loss of income Operating expenses          NOI Debt   service Cash flow DSC
22.88 1,126,446 355,720 280,687 845,759 493,286 352,473 1.71
22.38 1,101,830 347,946 280,687 821,143 493,286 327,857 1.66
21.88 1,077,213 340,173 280,687 796,526 493,286 303,240 1.61
21.38 1,052,597 332,399 280,687 771,910 493,286 278,624 1.56
*20.88 1,027,980 324,626 280,687 747,293 493,286 254,007 1.51
20.38 1,003,364 316,852 280,687 722,677 493,286 229,391 1.47
19.88 978,748 309,078 280,687 698,061 493,286 204,775 1.42
19.38 954,131 301,305 280,687 673,444 493,286 180,158 1.37
18.88 929,515 293,531 280,687 648,828 493,286 155,542 1.32
18.38 904,898 285,758 280,687 624,211 493,286 130,925 1.27
17.88 880,282 277,984 280,687 599,595 493,286 106,309 1.22
17.38 855,666 270,210 280,687 574,979 493,286 81,693 1.17
* Based on user input  
$15.7212 Break even at stabilized occupancy
 

  

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