DSCR Calculator
The Debt Service Coverage Ratio (DSCR) measures your ability to cover debt payments with income. Used by lenders to evaluate loan applications, especially for commercial real estate and business loans. A DSCR above 1.25 is typically required.
Inputs
$
$
Total annual loan payments (P+I)
$
%
Results
DSCR
1.41
Status
Good
Max Loan Amount
$1,131,895
At 1.25 DSCR
Monthly Debt Service
$7,083
NOI vs Debt Service
DSCR Sensitivity Analysis
Sensitivity Scenarios
| NOI Change | NOI | DSCR | Status |
|---|---|---|---|
| -30.00% | $84,000.00 | 0.988 | Below 1.0 |
| -20.00% | $96,000.00 | 1.129 | Weak |
| -10.00% | $108,000.00 | 1.271 | Good |
| 0.00% | $120,000.00 | 1.412 | Good |
| 10.00% | $132,000.00 | 1.553 | Strong |
| 20.00% | $144,000.00 | 1.694 | Strong |
| 30.00% | $156,000.00 | 1.835 | Strong |