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DSCR Calculator

Lenders underwrite rental and commercial loans on DSCR — net operating income divided by annual debt service. Enter the two numbers to see your ratio and whether it clears the common 1.25 minimum, then open the full analyzer to model the whole deal.

Inputs

$
$
DSCR
1.17
NOI ÷ annual debt service
NOI cushion over debt
$2,478
Free · part of the Rental Cash-Flow Analyzer toolkit
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How it's calculated

Our methodology & 2026 data sources →

Frequently asked questions

What DSCR do lenders want?
Most want 1.25 or higher, meaning NOI is at least 125% of the debt payment. Below 1.0 means the property doesn't cover its own loan.
What counts as debt service?
Principal and interest on the loan — not taxes, insurance, or operating costs (those are already removed to get NOI).

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