Tools › DSCR Calculator
Free Tool
DSCR (debt coverage) calculator.
Lenders size commercial loans on DSCR — how many times your NOI covers the annual loan payment. Check where a deal lands before you apply, and see how much room you have above the lender’s floor.
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Debt service coverage ratio
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DSCR = NOI ÷ annual debt service. A 1.25 DSCR means the property earns $1.25 of NOI for every $1.00 of loan payment. Most commercial lenders require 1.20–1.25 minimum; below 1.0 the property doesn’t cover its own debt. A thin DSCR can cap your loan amount even when LTV allows more.
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Estimates are for planning only and use simplified assumptions — not tax, legal, or investment advice. Verify with your lender, CPA, and a full broker analysis before acting.