DSCR Calculator
Evaluate whether a property's income can cover its debt obligations -- a key metric for commercial lending.
Financing
Beginner
Educational & Informational Purpose Only
This content, data, and mathematical output is provided exclusively for educational purposes and does not constitute formal investment, legal, or tax advice. Real estate investing involves substantial risk of loss. Past performance does not guarantee future results. Always consult with qualified professionals before making financial decisions.
Inputs
$
$
Tip: Annual debt service is the total of all loan payments (principal + interest) for the year. Most lenders require a DSCR of 1.25 or higher.
Results
DSCR Ratio
1.36x
StrongDSCR Gauge
01.01.252.5+
NOI Excess Over Debt
$20,000
Lender Thresholds
1.25+ : Most lenders will approve
1.0 - 1.25 : May require additional guarantees
Below 1.0 : Property does not cover debt