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Debt Service Coverage Ratio Calculator
Property Information
Monthly Rent
$
Annual Rent (optional, leave 0 to use monthly × 12)
$
Annual Property Tax
$
Annual Insurance
$
Annual Maintenance
$
Property Management (annual $ or % as decimal)
$
Vacancy Rate (%)
Other Annual Expenses
$
Loan Amount
$
Interest Rate (%)
Loan Term (years)
15 years
20 years
30 years
Required DSCR (for max loan calculation)
Lenders typically require 1.20-1.35 DSCR for investment properties
About DSCR
What It Measures:
Property's ability to cover debt service
Key metric for investment property lenders
NOI divided by annual debt service
Higher DSCR = lower default risk
Critical for qualifying for investment loans
Lender Requirements:
1.20-1.25: Minimum for most lenders
1.25-1.35: Preferred by many lenders
1.35+: Excellent, best rates available
< 1.0: Negative cash flow, unlikely to qualify
Requirements vary by lender and property type
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