Real Estate DSCR Calculator

Debt service coverage ratio measures whether property operations produce enough net operating income to cover scheduled loan payments.

DSCR Formula

DSCR = annual net operating income ÷ annual debt service. A ratio of 1.00 means NOI equals debt service. A ratio above 1.00 provides a cushion; lender requirements vary by property, borrower, and loan program.

What DSCR Leaves Out

DSCR does not guarantee positive owner cash flow after capital expenditures, income taxes, or unusual repairs. Verify the lender's NOI definition and test the full property forecast in Snap & Map.