Calculator
DSCR Calculator
Divide annual NOI by annual debt service. The ratio shows how the income you entered covers the payment you entered.
DSCR
- 1.25
At or above 1.00 means NOI covers the debt service entered here. A lender may still want a higher ratio.
Results use the numbers you enter. They are illustrative, not a loan quote, an appraisal, or a guarantee of investment performance.
DSCR = NOI ÷ annual debt service. Debt service has to be greater than zero.
Use the full year’s principal and interest unless you are deliberately testing an interest-only payment. What DSCR is explains why 1.00 is only the line where income equals that payment. Lenders choose their own cushions.
Owner-users can read the owner-user page next. The tool still uses property NOI, not personal income.
Want help evaluating a commercial property?
Call or text Bryan at 402-521-3000 with the rent roll or the question. The calculator stays an illustration.
Bryan Robinson
NHS Commercial
Professional Sales Agent | Licensed in Nebraska