Features Pricing Learn Glossary Free Tools Compare Alternatives For Investors Invest by City Try Demo Sign In Start Free
Free Tool

DSCR Calculator

Check whether a property will qualify for a DSCR rental loan.

Loans

--
DSCR
How this number is calculated
Basis
Loan underwriting ratio
Formula
DSCR = annual NOI / annual debt service
Includes
  • annual NOI
  • annual principal and interest debt service
Excludes
  • income tax
  • depreciation
  • owner distributions
Source
Public calculator inputs
Computed
Live from the values currently entered above
Notes
Some lenders underwrite against PITIA; this calculator uses the clean NOI / debt service definition.
How it works
1

Divide NOI by annual debt service

2

Most lenders want 1.0 to 1.25 minimum

Want this calculated automatically?

DoorVault reads your statements, categorizes every transaction, and shows you live metrics for every property in your portfolio. No spreadsheets.

Start Free See the demo
Related tools and terms

NOI Calculator

Calculate Net Operating Income from gross rent, vacancy, and operating expenses.

Mortgage Payment Splitter

Split a PITI mortgage payment into principal, interest, taxes, and insurance.

Debt Service Coverage Ratio (DSCR)

View glossary definition

Net Operating Income (NOI)

View glossary definition

Frequently asked questions
Does DSCR include escrow?
Depends on the lender. Some use P&I only, some use full PITI. Ask before applying.