---
title: "Size a commercial real estate loan from first principles."
method: POST
path: "/api/v1/tools/size_loan"
tags: ["Calculators"]
---

# Size a commercial real estate loan from first principles.

`POST /api/v1/tools/size_loan`

## Request

- Base URL: `https://relendi.com`
- URL: `https://relendi.com/api/v1/tools/size_loan`
- Auth: none declared

Size a commercial real estate loan from first principles. Returns the maximum supportable loan as the MINIMUM of four constraints — loan-to-value, debt-service-coverage, debt yield and loan-to-cost — plus which one binds. Deterministic math on the numbers you supply; it does not quote lender terms.

## Request body

- object
  - `netOperatingIncome` number, required: Annual NOI in dollars
  - `estimatedValue` number, required: Property value in dollars
  - `totalCost` number: Total project cost, for the LTC test
  - `thresholds` object
    - `maxLtv` number
    - `minDscr` number
    - `minDebtYield` number
    - `maxLtc` number
    - `proposedRate` number
    - `amortizationYears` integer

## Response `200`

The computed result.

- object
  - `tool` 'size_loan', required
  - `deterministic` boolean
  - `result` object, required: Result fields: recommendedLoan, bindingConstraint, byLtv, byDscr, byDebtYield, byLtc, thresholds.maxLtv, thresholds.minDscr, thresholds.minDebtYield, thresholds.maxLtc, thresholds.proposedRate, thresholds.amortizationYears, inputs.noi, inputs.estimatedValue, inputs.totalCost, note.

## Other responses

- `400`: Error. Possible codes: invalid_input.
- `404`: Error. Possible codes: unknown_tool, not_found.
- `405`: Error. Possible codes: method_not_allowed.
- `429`: Error. Possible codes: rate_limited, quota_exhausted.
- `500`: Error. Possible codes: tool_error.
- `503`: Error. Possible codes: flag_off.

---

[API](https://skmtc.dev/relendi/apis/relendi-public-api.md) · [All operations](https://skmtc.dev/relendi/apis/relendi-public-api/llms.txt) · [OpenAPI document](https://skmtc.dev/relendi/apis/relendi-public-api/revisions/7e4b30838121?raw)