DSCR Calculator

The debt service coverage ratio tells lenders whether a property's income covers its debt payments. Above 1.25 is commonly required for investment loans.

Your details

Net operating income (NOI)$Annual debt service$

Debt service coverage ratio

1.25

Debt service coverage ratio1.25

Formula

DSCR = net operating income ÷ annual debt service.

Sources & methodology

•U.S. SBA — business guides — U.S. SBA

Last updated: 2026-07-20

Related calculators

More Real Estate →

Net Operating Income (NOI) Calculator Cap Rate Calculator

Embed this calculator⌄

Paste this into your page — it works with no key and computes in the visitor's browser.

<iframe src="https://numveo.com/embed/dscr-calculator" width="100%" height="640" style="border:0" loading="lazy" title="DSCR Calculator"></iframe>