DSCR Calculator
Calculate your Debt Service Coverage Ratio (DSCR) for commercial real estate loans. Determine loan eligibility and financial viability with our comprehensive calculator.
Step 1: Property Income
Understanding DSCR
DSCR (Debt Service Coverage Ratio) measures a property’s ability to cover its debt payments. Lenders typically require a DSCR of 1.25 or higher for commercial loans.
Step 2: Expenses & Debt
About Operating Expenses
Operating expenses include property taxes, insurance, maintenance, utilities, property management fees, and other costs associated with operating the property.
DSCR Results
Debt Service Coverage Ratio
DSCR Scenario Comparison
| Scenario | NOI | Debt Service | DSCR | Status |
|---|
Income & Expense Breakdown
DSCR Formula
DSCR = Net Operating Income / Total Debt Service
Net Operating Income (NOI) = Gross Income – Operating Expenses – Vacancy Loss. A DSCR above 1.0 indicates the property generates enough income to cover its debt obligations.
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