DSCR Calculator

Debt Service Coverage Ratio for rental properties

Property Details

Net Operating Income (Annual)

Rental income minus operating expenses

Annual Debt Service

Total annual mortgage payments

Required DSCR

Lender requirement (typically 1.20-1.35)

DSCR Analysis

Debt Service Coverage Ratio

1.50x

Meets Requirement

NOI

$60,000

Debt Service

$40,000

Max Debt Service (DSCR 1.25x)

$48,000

Disclaimer: This calculator is for informational purposes only and is not intended to provide financial, legal, or tax advice. The results are estimates and should not be used as a substitute for professional financial advice. Please consult with a qualified financial advisor, accountant, or attorney before making any financial decisions.