Debt Service Coverage Ratio (DSCR) Calculator

Net Operating Income (Annual)

Annual Debt Service

Formula: DSCR = NOI ÷ Annual Debt Service

Enter values to calculate

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Loan Amount

Interest Rate (Annual %)

Amortization (Years)

Term (Years) (optional – payment uses amortization)

A DSCR of 1.20 or higher typically indicates sufficient income to cover debt service. Values ≥ 1.20 are shown in green; values below 1.20 are shown in red.