Debt Service Coverage Ratio (DSCR) Calculator
Calculate DSCR to determine if a rental property generates enough income to qualify for a DSCR mortgage loan.
Calculation Inputs
Calculation Results
📊
Enter inputs on the left and click Calculate to view results.
Formula & Methodology
DSCR = Annual NOI / Annual Debt Service
DSCR above 1.25 typically qualifies for DSCR investment loans. Below 1.0 means negative cash flow.
Frequently Asked Questions
What DSCR do lenders require?
Most DSCR lenders require a minimum ratio of 1.0 to 1.25, meaning income covers 100–125% of mortgage payments.