Finance

DSCR Calculator (Debt Service Coverage Ratio)

Find the debt service coverage ratio for a rental, commercial property, or small business. You can solve for DSCR, the required NOI, or the maximum debt service at a target ratio.

How to use
  1. Pick what to solve for: DSCR, required NOI, or max debt service.
  2. Enter net operating income and annual debt service.
  3. Set a target ratio if you are solving backward.
Estimates for general information, not financial advice. Confirm figures before making money decisions.
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Reference ranges

DSCRWhat it signals
Below 1.0Income does not cover debt
1.0 to 1.24Tight, little cushion
1.25 and upCommon lender minimum

Common questions

What DSCR do lenders want?

Many commercial lenders look for at least 1.25, meaning income covers the debt with a 25 percent cushion, though requirements vary by deal.

What does a DSCR below 1 mean?

The property's net operating income is not enough to cover its debt payments, which lenders see as a high risk.

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