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Debt Service Coverage Ratio Calculator

Calculates the Debt Service Coverage Ratio (DSCR) by dividing a property's NOI by its annual mortgage payment. Lenders use DSCR to assess whether a property generates enough income to safely repay the loan.

Net Operating Income (NOI) ($)

Loan Amount ($)

Interest Rate (%)

Loan Term

Real Estate Advanced

Debt Service Coverage Ratio Calculator

Computes the Debt Service Coverage Ratio (DSCR) to show whether a commercial property's income can cover its loan payments. Lenders use this ratio to approve or deny commercial mortgage applications.

Net Operating Income ($)

Loan Amount ($)

Interest Rate (%)

Loan Term (years)

Key differences

	Debt Service Coverage Ratio Calculator	Debt Service Coverage Ratio Calculator
Category	Real Estate Advanced	Real Estate Advanced
Inputs required	4	4
Result	DSCR	Debt Service Coverage Ratio (x)
What it does	Calculates the Debt Service Coverage Ratio (DSCR) by dividing a property's NOI by its annual mortgage payment. Lenders use DSCR to assess whether a property generates enough income to safely repay the loan.	Computes the Debt Service Coverage Ratio (DSCR) to show whether a commercial property's income can cover its loan payments. Lenders use this ratio to approve or deny commercial mortgage applications.