DSCR calculator
Find out whether a property's income comfortably covers its loan payments, or how close it is to the edge.
DSCR is net operating income divided by annual debt service. Conventional commercial lenders typically want to see 1.20x to 1.25x or better. Don't know the annual debt service yet? Skip it and fill in the loan terms below instead.
Derive from loan (optional)
Enter NOI, and either an annual debt service or loan terms to derive it from.
—DSCR
Annual debt service used—
Disclaimer: These figures are estimates for planning purposes only — not a loan commitment, appraisal, legal opinion, or tax advice. Confirm final numbers with your lender, accountant, or attorney.