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DSCR Calculator

HomeFinance CalculatorsDSCR Calculator
COMMERCIAL REAL ESTATE

DSCR Calculator

Evaluate Net Operating Income (NOI), Debt Service Coverage Ratios, and maximum supportable loan capacity for investment properties.

HomeFinance CalculatorsDSCR Calculator
Property Underwriting
Revenues (Annual)
OpEx (Annual)
Current Debt
Loan Capacity Solver

How to Underwrite a Property Using the DSCR Calculator

Quickly assess commercial and residential real estate investment opportunities.

1
Enter Property Revenues

Input the Gross Rental Income and any other ancillary revenues, then set the expected vacancy and credit loss rate.

2
Detail Operating Expenses

Toggle Advanced Mode to enter itemized annual expenses or use Simple Mode to input an aggregate operating expense value.

3
Calculate DSCR & Capacity

Enter your mortgage details to calculate the active DSCR, and check the Capacity Solver to view the maximum mortgage the property can support.

Commercial Underwriting Features

Institutional-grade mathematical models built directly into your browser.

Comprehensive NOI Modeling

Line-item by line-item expense analysis to accurately determine Net Operating Income.

Supportable Loan Capacity Solver

Reverse engineer your maximum loan size based on lender DSCR requirements.

Step-by-Step Transparency

See the exact mathematical formulas used to derive the DSCR and Loan Capacity outputs.

Underwriting EngineActive
NOI Mode:Advanced / Simple
Debt Amortization:Monthly P&I
Target Solver:Annuity PV Reverse

Frequently Asked Questions

Understanding DSCR underwriting metrics.

What is a good Debt Service Coverage Ratio (DSCR) for a commercial loan?

Most commercial lenders look for a minimum DSCR of 1.20 to 1.25. A DSCR of 1.25 means the property's Net Operating Income (NOI) exceeds its annual debt obligations by 25%, providing a comfortable cash flow cushion for unexpected expenses or vacancies.

How does the DSCR Loan Capacity solver work?

The solver takes the property's Net Operating Income (NOI) and divides it by your target DSCR to find the maximum annual debt service allowed. It then uses the underwriting interest rate and amortization term to reverse-calculate the maximum loan principal using the present value of an annuity formula.

ما هي نسبة تغطية خدمة الدين (DSCR) وكيف تُحسب؟

نسبة تغطية خدمة الدين (DSCR) هي مقياس مالي يستخدمه المقرضون لتقييم قدرة العقار الاستثماري على سداد قرضه. تُحسب بقسمة صافي الدخل التشغيلي (NOI) على إجمالي خدمة الدين السنوية (أقساط القرض والفوائد). المعادلة هي: DSCR = صافي الدخل التشغيلي / خدمة الدين السنوية.

Why must vacancy and credit losses be deducted?

Lenders rarely assume a property will be 100% occupied at all times with every tenant paying on time. Deducting a standard 5% to 10% vacancy rate produces a more realistic Effective Gross Income (EGI) for underwriting safety.