Debt Service Coverage Ratio Calculator

Ability to cover debt payments.

DSCR 1.333

Step-by-step with your numbers:

1. Values used:

2. Net operating income = 120,000 $

3. Annual debt payments = 90,000 $

4. DSCR = Net operating income / Annual debt payments = 120,000 / 90,000 = 1.333

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DSCR above 1.25 is typically required by lenders.

FAQ

Below 1?

Income can't cover debt — high risk.