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DSCR Calculator

Find your debt service coverage ratio.

How to use

  1. Enter your values in the fields above.
  2. Press Calculate to see your result instantly.
  3. Use the Share button to copy a link to your result.

About this calculator

This calculator finds the Debt Service Coverage Ratio, DSCR = Net Operating Income ÷ Total Debt Service, which tells you how many times over a property or business's income covers its loan payments (principal plus interest).

Lenders use it as a core underwriting metric before approving a commercial real estate or business loan — most require a DSCR of at least 1.20 to 1.25. Real estate investors run the same number themselves before making an offer, to check whether a rental property's cash flow can realistically support the mortgage.

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