DSCR Calculator
Calculate Debt Service Coverage Ratio for real estate investments and commercial loans. Determine if your property income covers debt payments.
Property & Loan Details
$
Annual rental income minus operating expenses
$
DSCR Results
Debt Service Coverage Ratio
1.5x
Excellent
Annual Debt Service
$100,000
Cash Flow After Debt
$50,000
Lender Requirements
Min NOI for 1.25x DSCR:$125,000
Max Debt Service at 1.25x:$120,000
DSCR Requirements by Loan Type
| Loan Type | Min DSCR | Preferred DSCR | Notes |
|---|---|---|---|
| Conventional | 1.20x | 1.25x+ | Standard commercial loans |
| SBA 504 | 1.15x | 1.25x+ | Owner-occupied properties |
| DSCR Loan (Investor) | 1.00x | 1.25x+ | No income verification |
| CMBS | 1.25x | 1.35x+ | Large commercial properties |
| Bridge Loan | 1.00x | 1.10x+ | Short-term financing |