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DSCR Calculator
Debt Service Coverage Ratio measures whether a property's net operating income covers its debt payments. Lenders typically require 1.20-1.25x for investment property loans. Below 1.0 means the property doesn't generate enough income to cover debt.
Property Income
$
%
$
Monthly NOI: $1,808 | Annual NOI: $21,696
Loan Details
$
%
Loan Term
Max Loan Sizing
DSCR Analysis
DSCR
1.81x
Strong
Annual NOI
$21,696
Annual Debt Service
$11,975
Monthly Cash Flow
$810
Monthly Debt Service
$998
Max Loan at 1.25x DSCR
Maximum Loan Amount
$217,405
At 7.0% over 30 years with 1.25x DSCR
DSCR Benchmarks:
1.25x+ = Strong (most lenders comfortable)
1.10-1.24x = Marginal (may require reserves)
1.00x = Breakeven (income just covers debt)
<1.00x = Negative (property loses money)