Calculate DSCR
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DSCR.help allows investors to quickly calculate debt service coverage by providng real time estimates of key assumptions.
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What is DSCR?
Debt Service Coverage Ratio (DSCR) shows how well a real estate property's income covers its debt. A higher ratio means stronger, more reliable cash flow.
Most lenders look for 1.2 or higher when approving investment loans. Anything above 1.25 is typically considered a strong deal. Below 1.0, the property isn't generating enough income to cover its payments.
How is DSCR calculated?
DSCR compares your property's net operating income to its total debt obligations. We calculate NOI by taking gross rent and subtracting operating expenses like vacancy, management, and maintenance. Then we divide by the property total monthly debt service—principal, interest, taxes, and insurance—to get your ratio.