DSCR Calculator

Debt Service Coverage Ratio = Net Operating Income ÷ Total Debt Service. The 1.25x benchmark is what most lenders require.

Net Operating Income (NOI) annual, $

Total Debt Service (TDS) annual, $

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1.25x = lender minimum

≥ 1.25x—Meets standard

1.15–1.25x—Near minimum

1.0–1.15x—Below standard

< 1.0x—Negative coverage

DSCR calculations are illustrative. Lender benchmarks vary by institution, loan type, and industry. Consult a licensed financial advisor before making decisions based on these results.