DSCR Calculator

Calculate Debt Service Coverage Ratio for investment property loans

Loan Details

DSCR Guidelines

  • • 1.0 = Break-even (no cushion)
  • • 1.15-1.20 = Minimum for most lenders
  • • 1.25 = Standard requirement
  • • 1.35+ = Strong coverage
  • • Below 1.0 = Negative cash flow

DSCR Analysis

Loan Qualification Status

Qualifies

Target DSCR: 1.25

Debt Service Coverage Ratio

1.50

Annual Debt Service

$31,935

Monthly Payment

$2,661

Max Loan at Target DSCR

$480,984

NOI Needed for Target DSCR

$39,918

Break-Even Occupancy

66.5%

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Editorial Note

MyCalcBuddy Editorial Team

This page is maintained as an educational calculator reference.

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Formula Source: Standard Mathematical References

by Various

🔄Last reviewed: May 2026
✓Formula checks are based on standard references and internal QA review.