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.