Calculator

DSCR Calculator

Calculate your debt service coverage ratio — the single most important number lenders use to size a commercial loan.

Net operating income (annual)

Gross income minus operating expenses (before debt).Loan amount

Interest rate

Amortization

yrs

Debt Service Coverage Ratio

1.15x

Borderline

Some lenders may require a lower loan amount or higher NOI.

Annual debt service: $156,126
Net operating income: $180,000

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What is DSCR?

Debt Service Coverage Ratio (DSCR)measures how comfortably a property's income covers its loan payments. It's calculated as net operating income ÷ annual debt service. A DSCR of 1.25x means the property generates 25% more income than it needs to cover the mortgage. Most commercial lenders require a minimum DSCR of 1.20x–1.25x; the stronger your ratio, the larger the loan you can support and the better your terms.

Estimates only. Lender requirements vary by property type, loan program, and market.

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