Commercial Strategy

The Debt-Free Cash Flow Calculator

Model the Partial Sale Strategy — sell just enough of your development to pay off all debt, then keep the rest for perpetual, mortgage-free income.

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Total Development Cost
$
$
$
Design, permits, legal, fees
$
Construction loan interest
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Property Details
$
Commercial sale price/sqft
$
What tenants pay per sqft/yr
%
Typical: 15–30%
✂️
Partial Sale
%
Adjust until debt is fully paid off
$
%
Full Strategy Breakdown
Total development cost -$1,140,000
Sq ft sold 6,000 sqft
Sale proceeds (gross) +$1,200,000
Sale costs (closing + commission) -$63,000
Net from sale $1,137,000
Debt remaining after sale -$3,000
Sq ft kept (debt-free) 4,000 sqft
Annual gross rent (kept portion) $80,000
Annual Debt-Free Cash Flow $64,000
Your Debt-Free Income
Annual Cash Flow (Debt-Free)
$64,000
$5,333 / month — no mortgage
Total Development Cost $1,140,000
Sale Proceeds (net) $1,137,000
Debt After Sale $3,000
Sq Ft Kept 4,000 sqft
Kept Portion Value $800,000
Cash-on-Cash ROI ∞
Sell vs Keep 60% sold · 40% kept
Sold to pay off debt Kept (debt-free)
✅ Debt eliminated — pure cash flow machine

For estimation only. Commercial real estate requires professional legal, financial, and construction expertise.

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