DSCR Calculator

Calculate the debt service coverage ratio for real estate and business loans.

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DSCR

Enter the property income, expenses, and debt payments.

DSCR
0.0
NOI: $0
Net operating income (NOI)
$0
Total debt service
$0
DSCR
0.0
Status
—

Worked example

With the default inputs shown below, this calculator returns the following results:

InputValue
Annual gross rental income ($)$60,000
Annual operating expenses ($)$15,000
Annual mortgage payment ($)$25,000
Other debt payments ($/yr)0
ResultValue
DSCR1.80
Net operating income (NOI)$45,000
Total debt service$25,000
StatusStrong — meets lender requirements

Values shown are produced by this page in your browser; change any input to update them.

How to use the DSCR

  1. Annual gross rental income ($) — default $60,000
  2. Annual operating expenses ($) — default $15,000
  3. Annual mortgage payment ($) — default $25,000
  4. Other debt payments ($/yr) — default 0
  5. Press Calculate to update the results instantly.

Frequently asked questions

Sources & references