Conservative
20% down · 10y term · 11.5%
Equity required$99,000
Loan amount$396,000
Monthly payment$5,568
Annual debt service$66,811
Loan should service
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Pre-filled from listing: Eastern Texas HVAC Business in Growing Area
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Pre-filled from listing: Eastern Texas HVAC Business in Growing Area
Valuation metrics
Graded against Construction benchmarks (Construction & Contracting, HVAC, Plumbing, Roofing; GF Data / Pepperdine 2024). Green = at or below median, yellow = median to high, red = above high range.
EV / EBITDA
—
4.5x median
EV / Revenue
0.60x
0.5x median
EV / SDE
4.44x
3.5x median
EBITDA Margin
—
16% healthy
DSCR (base)
1.54x
1.25x lender min
Annual Debt Svc
$72,136
base scenario
Yr1 Owner Cash
$39,264
SDE minus debt svc
Cash-on-Cash
79.3%
15% = pos
Business quality
Three scenarios
20% down · 10y term · 11.5%
Loan should service
Realistic case
10% down · 10y term · 10.5%
Loan should service
10% down · 25y term · 10%
Loan should service
Deal structure
Equity return projections
MOIC
5.84x
Actual IRR
42.3%
Above targetRequired exit multiple to hit 20% IRR
2.8x
What this tells you
DSCR is annual cash flow divided by annual debt service. Lenders want to see at least 1.25x to underwrite the loan comfortably. Below 1.0x means cash flow does not cover the payment.
Rates approximate prime-based variable bank debt as of June 2026. Calculator state is encoded in the URL so any scenario can be shared or bookmarked.
AI underwriting
Streams a 7-section writeup: Verdict, Valuation Assessment, Financing analysis with stress tests, Owner Economics, Key Risks, Negotiation Leverage, and Due Diligence Priorities. Uses available inputs only; missing data is noted, not invented.