DSCR Calculator

Calculate Debt Service Coverage Ratio for financing qualification

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Property Financials

$

Gross income - operating expenses (excluding mortgage)

$

Total P&I payments for the year

DSCR Ratio

?
0.00

Enter property details to calculate

Lending Qualification

NOT QUALIFIED
Insufficient income to cover debt service
✗

Most lenders require DSCR ≥ 1.20-1.25 for investment properties

DSCR Performance

🔴
Risk
< 1.0
🟡
Marginal
1.0 - 1.25
🟢
Strong
> 1.25

Calculation Breakdown

Net Operating Income$0.00
Mortgage Payment (P&I)$0.00
Total Debt Service$0.00
DSCR0.00

Reverse Calculator

What NOI do you need to achieve a specific DSCR?

Required NOI$0.00

To achieve DSCR of 1.25 with debt service of $0.00

Typical Lender Requirements

Conventional Lenders1.20 - 1.25
Portfolio Lenders1.15 - 1.20
Hard Money Lenders1.00 - 1.15
Commercial Loans1.25 - 1.35
Important Disclaimer: Lender requirements vary significantly by institution, property type, and borrower qualifications. Contact lenders directly for accurate qualification criteria. This tool is for educational purposes only.