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Real Estate Investor Tools — Pro Series
DSCR Pro Calculator — Debt Service Coverage Ratio Excel Template
Know your true debt service coverage ratio before you apply. Full amortization schedule, sensitivity analysis, and PDF export — in one downloadable file.
$49
$29
💳 Pay with PayPal.Me
✓ 30-day money-back guarantee · ✓ Instant download after payment
✓ Excel + Google Sheets
✓ Future updates included
✓ Email support
⏱ Instant delivery: Your download link is ready immediately after payment. Click the button above to download your Excel file. Works in Excel, Google Sheets, LibreOffice, and Apple Numbers.
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What's Inside the DSCR Pro Spreadsheet
📊
DSCR Calculation Engine
Net Operating Income ÷ Total Debt Service. Instantly see if your deal meets the 1.25× lender threshold.
📅
Full Amortization Schedule
Month-by-month breakdown of principal, interest, and remaining balance for any loan term up to 30 years.
🔍
Sensitivity Analysis Table
See how DSCR changes as rent increases, expenses shift, or interest rates move. Covers 7×7 scenario grid.
🏦
Lender Threshold Comparison
Compare your DSCR against standard lender requirements: 1.0× (Fannie Mae), 1.2× (commercial), 1.25× (portfolio lenders).
📄
Print-Ready PDF Export
Generate a clean one-page summary to share with lenders, partners, or co-investors.
📈
NOI & Cash Flow Projections
12-month income and expense projections with vacancy, CapEx, and repair reserves built in.
🔄
Refinance Analysis
Model cash-out refi scenarios and see how refinancing affects your DSCR and overall returns.
⚡
Deal Grading System
Instant A/B/C/F deal grade based on DSCR, cash-on-cash return, and equity capture potential.
🔍 Sensitivity Analysis — DSCR vs. Rent & Vacancy
Rent +10%DSCR: 1.35× → 1.49×
Rent +5%DSCR: 1.35× → 1.42×
Base case (current)DSCR: 1.35×
Rent −5%DSCR: 1.35× → 1.28×
Rent −10%DSCR: 1.35× → 1.22×
5% vacancy addedDSCR: 1.35× → 1.22×
10% expense increaseDSCR: 1.35× → 1.21×
DSCR Free vs. Pro — What's Included
| Feature | Free Calculator | DSCR Pro ($29) |
|---|
| DSCR calculation | ✓ | ✓ |
| NOI calculation | ✓ | ✓ |
| Amortization schedule | — | ✓ Up to 30 years |
| Sensitivity analysis table | — | ✓ 7×7 grid |
| PDF export | — | ✓ One-page summary |
| Lender threshold comparison | — | ✓ Fannie/commercial/portfolio |
| Refinance scenario modeling | — | ✓ |
| Deal grade (A/B/C/F) | — | ✓ |
| Future updates | — | ✓ |
Frequently Asked Questions
What exactly do I get after paying?
A downloadable .xlsx Excel file sent to your PayPal email address within 2 hours of payment (usually immediately). The file works in Microsoft Excel, Google Sheets, LibreOffice, and Apple Numbers.
Is this different from the free DSCR calculator on quikcalc.net?
Yes. The free calculator is interactive and browser-based — great for quick calculations. The DSCR Pro spreadsheet gives you a full amortization schedule, a 7×7 sensitivity analysis, PDF export, and lender comparison tools that the free version can't provide.
What if it doesn't work for my deal structure?
Every purchase comes with a 30-day money-back guarantee. Email
[email protected] within 30 days for a full refund — no questions asked.
Do I need PayPal to purchase?
PayPal is the fastest option. You can also email
[email protected] with your preferred payment method and Tim will send you an invoice.
Does this work for commercial properties too?
Yes. The spreadsheet handles both residential and commercial DSCR calculations. The commercial lender comparison table (1.0× Fannie, 1.2× commercial standard) applies to both.
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Ready to analyze your next deal with precision?
Join 500+ real estate investors who use the DSCR Pro spreadsheet to present clean numbers to lenders.
$49
$29
✓ Instant download · ✓ 30-day guarantee · ✓ Email support
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The complete guide to DSCR: how lenders calculate it, how to improve yours, and which loan programs don't require it.
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