DSCR Calculator

Debt Service Coverage Ratio for Real Estate Investors

Income

Monthly Rental Income ($)

Other Monthly Income ($)

Vacancy Rate (%)

Operating Expenses

Property Taxes (Annual, $)

Insurance (Annual, $)

HOA (Monthly, $)

Maintenance (Monthly, $)

Property Management (% of rent)

Financing

Monthly Mortgage P+I ($)

Loan Amount ($)

Interest Rate (%)

Loan Term (Years)

DSCR Ratio

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NOI / Year

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Annual Debt Service

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Deal Grade

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Lender Thresholds

Conventional (1.20× minimum) —

SBA / Most Lenders (1.25× minimum) —

Portfolio / Overlay (1.35× target) —

How Your DSCR Compares

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