Calculadora de Ponto de Equilíbrio
Calcule o ponto de equilíbrio de investimentos imobiliários.
Break-Even Ratio
80.0%
Break-Even Ratio vs Annual Operating Expenses
Formula
## Break-Even Ratio The break-even ratio tells you what percentage of potential gross income is needed to cover all property costs. ### Formula **BER = (Operating Expenses + Debt Service) / Gross Potential Income x 100** ### Interpretation - Below 80%: Considered safe, property can withstand some vacancy - 80-85%: Moderate risk, limited room for vacancy - Above 85%: High risk, minimal margin for error - Most lenders prefer BER below 85%
Exemplo Resolvido
A property has $20,000 operating expenses, $28,000 debt service, and $60,000 gross potential income.
- 01Total costs: $20,000 + $28,000 = $48,000
- 02Break-even ratio: $48,000 / $60,000 x 100 = 80.0%
- 03Income cushion at full occupancy: $60,000 - $48,000 = $12,000
- 04The property needs at least 80% occupancy to cover all costs
Perguntas Frequentes
How is the break-even ratio used by lenders?
Lenders use BER to assess risk. A lower BER means the property can tolerate more vacancy before going negative. Most lenders prefer a BER of 85% or less for commercial property loans.
What is the difference between BER and DSCR?
BER shows the occupancy needed to break even. DSCR shows how much NOI exceeds debt payments. Both measure financial safety but from different angles. They complement each other in risk analysis.
Does BER include capital expenditures?
Typically, operating expenses in BER include reserves for replacements but not one-time capital expenditures. The ratio focuses on recurring costs to determine ongoing viability.