DSCR Calculator
Last updated: October 15, 2026
Calculate debt service coverage ratio for a rental or business property.
Debt service coverage ratio
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- Annual cash-flow cushion: —
- Monthly debt service: —
On this page
Quick summary: Calculate debt service coverage ratio for a rental or business property.
Read the method, example and limitations
Updated reference sections in this guide are in English.
Guide language: English. Updated October 15, 2026.
What this calculator estimates
DSCR Calculator
Inputs and units
Use the units shown for Annual net operating income ($), Annual debt service ($). Required fields cannot be blank. Use zero only where that field and the model allow it. Select Calculate after changing a scenario.
Method and assumptions
DSCR is annual net operating income divided by annual debt service. Negative NOI is permitted; debt service must be positive.
Worked example
NOI -1,000 and annual debt service 1,000 give DSCR -1.00 and a -2,000 surplus.
Limitations
Use consistent annual amounts. The tool does not determine lending eligibility or adjust lender-specific NOI definitions.