Debt Service Coverage Ratio Calculator

finance

Module

01 Net operating income & target DSCR

Enter the property's annual cash flow available for debt service, then pick the coverage target you underwrite to.

$
×
Net operating income—
Max debt service @ target—

02 Debt schedule

One line per loan — a name and the annual principal + interest payment. The sum of all lines is the total annual debt service.

Loan Annual principal + interest
Total annual debt service —
Loan lines0
Largest annual payment—

03 Plain reading

The result, in ordinary language.

Enter your net operating income to begin the DSCR check.

How to read it: a DSCR of 1.00 means total debt service exactly equals NOI — the property breaks even, with no cushion. Above 1.00, cash flow clears the debt with surplus left over; below 1.00, current operating cash flow cannot fully meet the annual debt service.

The coverage line appears once the NOI, target DSCR, and a complete debt schedule are entered.