DSCR Calculator

Calculate Debt Service Coverage Ratio for investment property loans

Loan Details

Net Operating Income ($/year)

Loan Amount ($)

Interest Rate (%)

Loan Term (years)

Target DSCR

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%