DSCR Calculator
Can the property cover its debt?
Runs locally in your browser — your numbers never leave this pageTry: Net operating income=50000, Annual debt service=40000 → $50,000, $40,000, 1.25
How to use
Debt service coverage ratio is NOI divided by annual debt payments. Lenders usually want at least 1.20–1.25.
Formula
DSCR = NOI / Debt service
FAQ
What DSCR do banks want?
Typically 1.20 or higher for commercial real estate.
Below 1.0 means?
The property cannot cover its own debt payments from operations.
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