Free Tool
DSCR Calculator
Calculate debt service coverage ratio to evaluate loan eligibility. Supports both amortizing and interest-only scenarios.
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Annual net operating income
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%
What is DSCR?
Debt Service Coverage Ratio (DSCR) measures a property's ability to cover its debt payments. A DSCR of 1.25× means NOI is 25% higher than debt service.
DSCR = NOI ÷ Annual Debt Service
Typical Lender Minimums
Agency (Fannie/Freddie)1.20 - 1.25×
CMBS1.25 - 1.30×
Bank1.20 - 1.35×
Life Insurance1.20 - 1.30×
Debt Fund1.10 - 1.20×
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