--- title: CRE Finance Insights | John Morelli description: Commercial Real Estate Finance Insights --- [Skip to content](https://m.insigniafs.com/cre-finance-insights/author/john-morelli#main-content) ![INSIGNIA 002B67 2023 (200X74 px) Trans](https://m.insigniafs.com/hs-fs/hubfs/INSIGNIA%20002B67%202023%20(200X74%20px)%20Trans.png?width=200&height=74&name=INSIGNIA%20002B67%202023%20(200X74%20px)%20Trans.png) Open main navigation Close main navigation - [Contact us](https://insigniafs.com/contact/) [Contact us](https://insigniafs.com/contact/) # Recent Articles & News Commercial Real Estate and Finance Information and News [Educational Material](https://m.insigniafs.com/cre-finance-insights/tag/educational-material), [Educational](https://m.insigniafs.com/cre-finance-insights/tag/educational) ## [Breakeven Occupancy Ratio](https://m.insigniafs.com/cre-finance-insights/breakeven-occupancy-ratio) [John Morelli](https://m.insigniafs.com/cre-finance-insights/author/john-morelli) Jul 6, 2024 9:58:02 PM What is Breakeven Occupancy? The Breakeven Occupancy Ratio is the minimum occupancy rate threshold o... [Read more](https://m.insigniafs.com/cre-finance-insights/breakeven-occupancy-ratio) [CRE](https://m.insigniafs.com/cre-finance-insights/tag/cre), [commercial real estate](https://m.insigniafs.com/cre-finance-insights/tag/commercial-real-estate), [Educational Material](https://m.insigniafs.com/cre-finance-insights/tag/educational-material), [Educational](https://m.insigniafs.com/cre-finance-insights/tag/educational) ## [Debt Yield (DY)](https://m.insigniafs.com/cre-finance-insights/debt-yield-dy) [John Morelli](https://m.insigniafs.com/cre-finance-insights/author/john-morelli) Jul 6, 2024 4:52:40 PM How to Calculate Debt Yield The debt yield is frequently utilized by lenders in the commercial real ... [Read more](https://m.insigniafs.com/cre-finance-insights/debt-yield-dy) [CRE](https://m.insigniafs.com/cre-finance-insights/tag/cre), [commercial real estate](https://m.insigniafs.com/cre-finance-insights/tag/commercial-real-estate), [Educational Material](https://m.insigniafs.com/cre-finance-insights/tag/educational-material), [Educational](https://m.insigniafs.com/cre-finance-insights/tag/educational) ## [Loan to Cost (LTC)](https://m.insigniafs.com/cre-finance-insights/loan-to-cost-ltc) [John Morelli](https://m.insigniafs.com/cre-finance-insights/author/john-morelli) Jul 6, 2024 4:45:10 PM How to Calculate Loan to Cost Ratio (LTC) From the perspective of lenders underwriting a loan, the l... [Read more](https://m.insigniafs.com/cre-finance-insights/loan-to-cost-ltc) [CRE](https://m.insigniafs.com/cre-finance-insights/tag/cre), [commercial real estate](https://m.insigniafs.com/cre-finance-insights/tag/commercial-real-estate), [Educational Material](https://m.insigniafs.com/cre-finance-insights/tag/educational-material), [Educational](https://m.insigniafs.com/cre-finance-insights/tag/educational) ## [Loan to Value Ratio (LTV)](https://m.insigniafs.com/cre-finance-insights/loan-to-value-ratio-ltv) [John Morelli](https://m.insigniafs.com/cre-finance-insights/author/john-morelli) Jul 6, 2024 4:34:16 PM How to Calculate Loan to Value Ratio (LTV) The loan to value ratio (LTV) is a fundamental measure of... [Read more](https://m.insigniafs.com/cre-finance-insights/loan-to-value-ratio-ltv) [CRE](https://m.insigniafs.com/cre-finance-insights/tag/cre), [commercial real estate](https://m.insigniafs.com/cre-finance-insights/tag/commercial-real-estate), [Educational Material](https://m.insigniafs.com/cre-finance-insights/tag/educational-material), [Educational](https://m.insigniafs.com/cre-finance-insights/tag/educational) ## [Loan to Purchase (LTP)](https://m.insigniafs.com/cre-finance-insights/loan-to-purchase-ltp) [John Morelli](https://m.insigniafs.com/cre-finance-insights/author/john-morelli) Jul 6, 2024 4:22:19 PM How to Calculate Loan to Purchase (LTP) Loan to purchase (LTP) is a real estate underwriting metric ... [Read more](https://m.insigniafs.com/cre-finance-insights/loan-to-purchase-ltp) [Educational Material](https://m.insigniafs.com/cre-finance-insights/tag/educational-material), [Educational](https://m.insigniafs.com/cre-finance-insights/tag/educational) ## [Debt Service Coverage Ratio (DSCR)](https://m.insigniafs.com/cre-finance-insights/debt-service-coverage-ratio-dscr) [John Morelli](https://m.insigniafs.com/cre-finance-insights/author/john-morelli) Jul 5, 2024 11:34:36 PM DSCR Overview DSCR stands for debt service coverage ratio. It is a metric commonly used in commercia... [Read more](https://m.insigniafs.com/cre-finance-insights/debt-service-coverage-ratio-dscr) [commercial real estate](https://m.insigniafs.com/cre-finance-insights/tag/commercial-real-estate), [Educational Material](https://m.insigniafs.com/cre-finance-insights/tag/educational-material), [Educational](https://m.insigniafs.com/cre-finance-insights/tag/educational) ## [Commercial Real Estate Loan Sizing](https://m.insigniafs.com/cre-finance-insights/loan-sizing) [John Morelli](https://m.insigniafs.com/cre-finance-insights/author/john-morelli) Jul 5, 2024 10:52:16 PM What is Loan Sizing? Loan Sizing consists of a commercial lender evaluating the cash flow of the sub... [Read more](https://m.insigniafs.com/cre-finance-insights/loan-sizing) [![](https://m.insigniafs.com/hubfs/Imported_Blog_Media/Capital-Markets-Update-02262024-Facebook-Post-4.png)](https://m.insigniafs.com/cre-finance-insights/interest-rate-outlook-fed-shift-on-the-horizon) ## [Interest Rate Outlook: Fed Shift on the Horizon](https://m.insigniafs.com/cre-finance-insights/interest-rate-outlook-fed-shift-on-the-horizon) [John Morelli](https://m.insigniafs.com/cre-finance-insights/author/john-morelli) Jun 3, 2024 4:42:36 PM Here are some key takeaways: Expected Rate Reductions: Morningstar predicts the federal funds rate t... [Read more](https://m.insigniafs.com/cre-finance-insights/interest-rate-outlook-fed-shift-on-the-horizon) [![](https://m.insigniafs.com/hubfs/Imported_Blog_Media/Capital-Markets-Update-02262024-Facebook-Post-3.png)](https://m.insigniafs.com/cre-finance-insights/how-a-commercial-mortgage-broker-saves-you-time-and-money) [CRE](https://m.insigniafs.com/cre-finance-insights/tag/cre), [Lending](https://m.insigniafs.com/cre-finance-insights/tag/lending), [loans](https://m.insigniafs.com/cre-finance-insights/tag/loans), [CREF](https://m.insigniafs.com/cre-finance-insights/tag/cref), [commercial real estate](https://m.insigniafs.com/cre-finance-insights/tag/commercial-real-estate), [finance](https://m.insigniafs.com/cre-finance-insights/tag/finance) ## [A Commercial Mortgage Broker Saves You Time and Money](https://m.insigniafs.com/cre-finance-insights/how-a-commercial-mortgage-broker-saves-you-time-and-money) [John Morelli](https://m.insigniafs.com/cre-finance-insights/author/john-morelli) May 28, 2024 11:21:32 PM Considering financing a commercial property? You’ve likely considered working with a commercial mort... [Read more](https://m.insigniafs.com/cre-finance-insights/how-a-commercial-mortgage-broker-saves-you-time-and-money) [![](https://m.insigniafs.com/hubfs/Imported_Blog_Media/Utah-Healthcare-Architecture-Riverton-Medical-Office-Building-1.jpg)](https://m.insigniafs.com/cre-finance-insights/level-up-your-real-estate-game-10-hacks-to-avoid-development-disaster) [Blog](https://m.insigniafs.com/cre-finance-insights/tag/blog), [development](https://m.insigniafs.com/cre-finance-insights/tag/development), [construction](https://m.insigniafs.com/cre-finance-insights/tag/construction) ## [Level Up Your Real Estate Game: 10 Hacks to Avoid Development Disaster](https://m.insigniafs.com/cre-finance-insights/level-up-your-real-estate-game-10-hacks-to-avoid-development-disaster) [John Morelli](https://m.insigniafs.com/cre-finance-insights/author/john-morelli) Apr 21, 2024 4:46:46 PM 1. Zoning Before Closing: Don’t Buy a Dud Imagine this: you snag a killer property, only to find out... 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