DSCR
- Annual NOI
- —
- Annual debt
- —
- Max debt service
- —
- Max loan
- —
About this DSCR calculator
Debt service coverage ratio for a simple rental or small-income property sketch: net operating income divided by annual debt service.
DSCR = NOI ÷ debt service. Enter NOI and the yearly P&I (or total debt service) you want to test. Above 1.0 means NOI covers the debt in that model year; lenders often want a cushion above 1.0.
Not a loan approval, appraisal, or underwriting engine. It ignores taxes, CapEx reserves, vacancy haircuts you did not enter, and investor-specific covenants. Lenders use their own NOI definitions.
What is DSCR?
Net operating income divided by annual debt service. Monthly figures are multiplied by 12 first so rent rolls and monthly P&I stay on the same footing. Monthly figures are multiplied by 12 first so rent rolls and monthly P&I stay on the same footing.
What is max debt service?
NOI divided by your target ratio. That is the most annual debt the target allows.
When do you show a loan amount?
Only if you enter an annual interest rate and loan years. It inverts a standard mortgage payment at the max debt service.
Nothing is stored. Runs in your browser.