Debt Service Coverage Calculator
Calculate DSCR to evaluate ability to cover debt payments from operating income.
Income & Debt Data
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$
Debt Breakdown (Optional)
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$
Additional Factors
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x
Debt Service Coverage Ratio
1.43x
Adequate - Meets typical requirements
Cash After Debt
$150K
Risk Level
Medium Risk
Coverage Analysis
Net Operating Income$500K
Annual Debt Service$350K
DSCR1.43x
DSCR (after CapEx)1.29x
Lender Requirements
Required Minimum DSCR1.25x
Required NOI (at min DSCR)$438K
NOI Excess$63K (+14.3%)
Max Debt Service (at current NOI)$400K
Additional Debt Capacity$50K
Additional Ratios
Break-Even NOI$350K
NOI Cushion$150K (30.0%)
Interest Coverage2.50x
Fixed Charge Coverage1.25x
Max NOI Decline (to break-even)30.0%
NOI Sensitivity
NOI -20%
1.14xFails
NOI -10%
1.29xPasses
NOI +0%
1.43xPasses
NOI +10%
1.57xPasses
NOI +20%
1.71xPasses
Formula: DSCR = NOI / Annual Debt Service = $500K / $350K = 1.43x