DSCR Calculator

Calculate the Debt Service Coverage Ratio for any rental property loan. DSCR measures whether a property's income covers its debt payments — most private money lenders require a minimum DSCR of 1.0 to 1.25.

Monthly Gross Rental Income ($)

Total monthly rent from all units

Vacancy Rate (%)

Typical: 5-10%

Annual Property Taxes ($)

Annual Insurance ($)

Monthly HOA / Mgmt Fees ($)

Include property management if applicable

Annual Maintenance / Reserves ($)

Loan Terms

Loan Amount ($)

Interest Rate (%)

Amortization (years)

Use 0 for interest-only

How DSCR Is Calculated

DSCR = Net Operating Income (NOI) / Annual Debt Service

NOI = Gross Rental Income - Vacancy - Taxes - Insurance - HOA - Maintenance

A DSCR of 1.0 means the property breaks even. Most private money lenders require 1.0 to 1.25 minimum. Higher DSCR means more cash flow cushion and lower risk for the lender.

Generate DSCR Loan Documents

Automate Loan Docs generates complete DSCR loan document packages — including DSCR covenants, assignment of rents, and all required state provisions.

Book a Demo