DSCR Calculator

Debt Service Coverage Ratio — lender qualification tool

Gross Monthly Rent

Vacancy Rate (%)

Effective income: $3,325/mo

Monthly Operating Expenses

Taxes, insurance, management, maintenance — exclude mortgage

Monthly Debt Service (P&I)

Most DSCR lenders require a minimum ratio of 1.25

Annual NOI

$30,300

$2,525/mo

DSCR

1.40

Annual Debt Service

$21,600

$1,800/mo

Below 1.0

Property loses money

1.0 – 1.24

Break-even, lender may decline

≥ 1.25

Most lenders approve