Humble DSCR · Estimate
Debt service coverage ratio
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Enter annual NOI and annual debt service, then calculate.
Annual NOI —
Annual debt service —
Surplus / (shortfall) — Formula: DSCR = annual NOI ÷ annual debt service.
Example: If annual NOI is $120,000 and annual debt service is $100,000, the DSCR is 1.20×. That means the entered NOI is 1.20 times the entered debt service; it is not a loan-approval prediction.
Important: This calculator uses only the two figures you enter. It does not calculate NOI, amortize a loan, or apply lender-specific adjustments, minimums, or underwriting rules.
What to verify next The numbers above are planning estimates built from the amounts you entered. These are checks for you to complete with local quotes, documents, and qualified professionals — they are not advice, verified quotes, or confirmed terms.
Confirm the NOI period and reconcile it with current rent records, vacancy, and operating expenses. Use annual debt service from the actual loan terms or a lender quote, and confirm which payments are included. Ask the lender how it defines NOI, reserves, and any adjustments used in its DSCR calculation. Compare the estimate with property documents and qualified financial or lending professionals before making a decision. Your next step For a broader property review, compare cash flow, financing, and other deal assumptions together.
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Planning estimate only. Not investment, financial, lending, legal, or tax advice. Lender definitions and underwriting criteria vary; verify figures with loan documents, lender guidance, and qualified professionals.