DSCR Calculator

Debt Service Coverage Ratio (DSCR) measures a property's cash flow against its debt obligations. Most commercial and investment lenders require a minimum DSCR of 1.20x to 1.25x.

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To calculate manually: DSCR = Annual NOI / Annual Debt Service (PITIA)

Property Income & Expenses

Gross Monthly Rent ($)

Monthly Operating Expenses ($) Excluding mortgage payment (e.g. maintenance, management)

Debt Service (PITIA)

Monthly Principal & Interest ($)

Monthly Taxes, Ins, & HOA ($)

Annual NOI

Annual Debt

DSCR

0.00x

The Formula

DSCR = NOI / PITIA

NOI = Net Operating Income. PITIA = Principal, Interest, Taxes, Insurance, and HOA dues.