Commercial · Calculator

DSCR Calculator

Debt service coverage ratio, pass/fail vs lender minimum, and maximum supportable loan.

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Inputs

DSCR = NOI ÷ annual debt service. Lenders often require 1.20–1.35× on commercial.

NOI ($ / year)

Loan amount ($)

Interest rate (%)

Amortization (years)

Lender minimum DSCR

Results

DSCR

1.41×

Meets 1.25× minimum?

Yes

Annual debt service

$340,304

NOI − debt service

$139,696

Max loan @ 1.25× DSCR

$4,739,286

NOI

$480,000

Educational disclaimer: For educational purposes only. Not financial, legal, tax, or investment advice. Results depend on your inputs and local conditions. Verify assumptions with qualified professionals before making decisions.