DSCR Calculator
Calculate debt service coverage ratio for a rental or commercial property and find the maximum loan your income supports at a lender’s minimum DSCR.
Your numbers
- Annual debt service
- $30,338
- Maximum loan at required DSCR
- $420,861
- Meets requirement?
- Yes
- NOI
- Debt service
How the dscr calculator works
DSCR = NOI ÷ annual debt service. Max loan = (NOI ÷ required DSCR) ÷ 12 converted to principal using the loan rate and term.
Example
Using the default inputs (Annual NOI: $42,000; Loan amount: $380,000; Interest rate: 7%; Amortization (years): 30; Required DSCR: 1.25), the calculator returns dscr of 1.38×. Change any field above to see your own result and charts update instantly.
Good for these goals
Frequently asked questions
What DSCR do lenders want?
Typically 1.20–1.25 or more; DSCR loans for investors sometimes accept 1.0.
What if DSCR is below 1?
Property income does not cover the loan; you would need to cover the shortfall from other income.
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Estimates are for educational purposes only and are not financial, tax or legal advice. Results depend on your inputs and simplified assumptions; tax figures reflect 2026 federal rules and may differ from your situation. See our disclaimer. © 2026 FinanzCalc.