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Loan Yield Calculator
Lender all-in yield includes the coupon plus origination and exit fees amortized over the expected hold. It's the real return to a bridge or CMBS lender and the number worth comparing across loan offers — not the headline rate.
Lender all-in yield (annualized)
7.98%
Interest collected
$1,109,299
Fees collected
$75,000
Monthly P&I payment
$34,961
Principal paid down
$149,288
Balance at exit
$4,850,712
How the math works
Lender all-in yield = (interest + fees) ÷ net capital invested ÷ years. It's the IRR-adjacent measure lenders use internally — it captures origination fees, exit fees, and interest rate together, and is how bridge and CMBS lenders compare opportunities.
On short-hold bridge loans, fees can add 100-200 bps to yield. That's why 7.5% coupons turn into 9.0-9.5% all-in yields on 2-3 year bridges with 1-2% origination.
How to Use
- Enter loan amount, interest rate, and amortization.
- Enter origination fees (points) and exit / prepayment fees.
- Enter expected hold period (usually 3 years for bridge).
- Read all-in yield, fees collected, and principal paid down.
Frequently Asked Questions
Why is fee yield 'time-sensitive'?
A 2% origination fee on a 10-year loan is 20 bps/year. The same fee on a 2-year loan is 100 bps/year — 5x the impact. Bridge loans live or die on how prepayment timing affects yield.
Exit fees vs prepayment penalties?
Exit fee = always paid at maturity. Prepayment penalty = only paid if borrower leaves early. A 0.5% exit fee is revenue; a prepayment penalty is optional based on borrower behavior.
Minimum yield targets?
Bank bridge: 8-10% all-in. Debt funds: 10-13%. Private mortgage REITs: 11-14%. Hard money: 14-18%. All-in yield — not coupon — is what gets quoted internally.
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