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Tenant Rollover Concentration Calculator

Concentrated rollover creates binary risk in commercial rent rolls.

Total rent roll / yr

Year 1 rollover rent

Year 2 rollover rent

Year 3 rollover rent

Max single-year concentration

0.3%

3-year rollover %

0.6%

Peak rollover year rent

$3,200,000

How the math works

Max concentration = peak year rent ÷ total. 3-year % = sum ÷ total.

$3.2M peak ÷ $12M = 26.7% year-3 concentration. 3-year cumulative: 61.7% rolls in three years.

Editorial noteMaintained by EveryCalc - Reviewed June 2026

EveryCalc calculators are designed for fast, practical estimates with transparent inputs and no required account. We use plain formulas, visible assumptions, and related tools so visitors can check the result from more than one angle.

Results are informational only. For financial, tax, legal, medical, construction, or other high-impact decisions, verify the output against primary sources or a qualified professional.

Learn more about our review process on the EveryCalc methodology page.

How this calculator works

What this page estimates

This Tenant Rollover Concentration Calculator is built to give a quick, browser-based estimate for tenant rollover concentration. Concentrated rollover creates binary risk in commercial rent rolls. The inputs stay on the page during normal use, and the result should be treated as an estimate for planning, comparison, or education rather than professional advice.

Calculation approach

The calculator applies the standard relationship implied by the inputs, then formats the answer so it can be checked and reused. For finance tools, the most important step is using consistent units, rates, time periods, and assumptions before comparing the result with another calculator or outside quote.

Example workflow

For example, start with a realistic value you already know, change one input at a time, and watch how the answer moves. That makes it easier to tell whether the result is being driven by the main amount, the rate, the time period, or a unit conversion.

Practical checks

Use current, real-world numbers when the result affects money, health, tax, or legal decisions.
Run a low, base, and high case when the inputs are estimates.
Check the related calculators below when the next decision depends on a different assumption.

How to interpret the tenant rollover concentration result

Best use

Use the result as a planning number for comparing payments, rates, returns, tax reserves, or cash-flow choices before you request a quote or make a commitment.

Cross-check

Compare the answer with the contract, lender estimate, tax form, brokerage statement, payroll record, or invoice that will control the real-world outcome.

Watch for

Do not rely on a single optimistic rate, return, or fee assumption. Money pages work best when you run low, base, and high cases and keep professional advice separate from the estimate.

This page belongs to the Finance calculator library, so the answer should be read in the context of the decision you are modeling rather than as a universal rule.

Before relying on this tenant rollover concentration estimate

Most calculator mistakes come from the inputs, not the arithmetic. Use this short audit before you reuse the answer in a spreadsheet, quote, application, or important conversation.

Confirm source numbers

Match balances, rates, fees, taxes, income, and payment dates against the lender quote, payroll record, tax form, statement, invoice, or contract.

Separate cash flow from total cost

A lower monthly payment can still cost more over time if fees, interest, taxes, or a longer term are hidden in the structure.

Run conservative cases

Test at least one higher-cost or lower-return case before using the output for a purchase, refinance, investment, loan, or tax decision.

Rerun this page when the rate, price, term, fee, tax rule, income, expense, or expected holding period changes.

How to Use

Enter total annualized rent roll.
Enter year 1 rollover rent.
Enter year 2 rollover rent.
Enter year 3 rollover rent.
Read concentration risk metrics.

Frequently Asked Questions

What is rollover concentration?

Rollover concentration is the % of rent roll expiring in any single year. In commercial (office, retail, industrial), lease terms are typically 5-10 years and large tenants can concentrate 10-30% of rent roll into a single year. High concentration = high binary risk. If 25% of rent rolls in year 3 and the market is soft, you could face a 20%+ rent roll hit in one year. LPs and lenders require rollover-concentration tables in all acquisition diligence.

How do lenders view this?

Lenders underwrite DSCR assuming worst-case rollover loss. Commercial lenders typically require: (1) no single tenant >30% of rent roll (and below 20% for best terms), (2) no single-year rollover >25%, (3) lease tail extending past loan maturity for top tenants. High rollover concentration forces higher equity contribution and lower loan proceeds — often $2-5M reduction on a $50M loan.

How do you mitigate concentration?

Stagger new leases at different terms (5 + 7 + 10 year ladder). Early renewal negotiations 12-18 months before expiration (offer blend-and-extend to anchor tenants). TI allowance + rent step-up in exchange for extended term. Subordination, non-disturbance, and attornment (SNDA) agreements to stabilize lender comfort. Build to 5-10 year staggered rollover by structure — don't hope it averages out.

Retail vs office vs industrial?

Retail: anchor tenant concentration risk is massive. A grocery anchor leaving can kill the center. Target: <40% from top 1 tenant. Office: multi-tenant mid-rise handles 15-25% top tenant. Single-tenant office is a bond substitute — lease/tenant is the asset, not the building. Industrial: often single-tenant, different risk frame — asset value drives residuals, not re-leasing.