DSCR Calculator
Calculate debt service coverage ratio to assess commercial loan qualification.
Inputs
$/yr
$
%
years
$
Results
DSCR
1.11
Monthly Payment
$13,504.14
Annual Debt Service$162,049.72
Loan-to-Value71.43%
Debt Yield9%
Max Loan at 1.25 DSCR$1,777,232
Break-Even Occupancy90.03%
How to Use This Calculator
- Enter Net Operating Income (annual NOI) from the property's income and expense statement.
- Set Loan Amount, Interest Rate, and Loan Term to calculate annual debt service.
- Enter Property Value for LTV and debt yield calculations.
- Review DSCR — a ratio above 1.25 typically meets commercial lender requirements; below 1.0 is cash-flow negative.
- Check Max Loan at 1.25 DSCR to determine the maximum supportable loan at lender minimums.
- Review Break-Even Occupancy to understand how much vacancy the property can absorb before going cash-flow negative.
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