Debt Service Coverage Ratio (DSCR) Calculator
NOI divided by total debt service
Instructions
Enter NOI and total annual debt service. Click Calculate to get DSCR.
Formula
DSCR = Net Operating Income / Total Debt Service
About DSCR
DSCR indicates the ability to cover debt obligations with operating income. Values above 1.0 mean coverage is sufficient.
Common Questions
What DSCR do lenders prefer?
Common thresholds are 1.20× or higher, depending on risk and asset type.