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🧮 Free Calculator

DSCR Calculator

Calculate your Debt Service Coverage Ratio instantly. See if your property qualifies for CRE financing and which loan programs are available to you.

1.25x
Min. DSCR Most Lenders
75%
Max LTV Available
48hr
Pre-Assessment
📊

DSCR Calculator

Enter your property's financials below

$
Gross rent − operating expenses (before debt service)
$
Total loan amount you are requesting
%
Current market rate: 6.5% – 8.5% for CRE
#
Amortization period (typically 20–30 years)
Your Debt Service Coverage Ratio
—
—
Annual Debt Service
—
monthly × 12
Monthly Payment
—
principal + interest
Min. NOI Needed
—
for 1.25x DSCR

📋 Loan Programs Available

    Ready to apply? Get a free pre-assessment in 48 hours.No credit pull required to start.

    Get Pre-Assessed Free →

    What Is DSCR & Why It Matters

    Lenders use DSCR as the #1 metric to determine if a property can support its loan payments.

    The DSCR Formula

    DSCR = Annual NOI ÷ Annual Debt Service. A ratio of 1.0x means the property barely covers its mortgage. Most lenders require a minimum of 1.20x–1.25x to provide a safety cushion against vacancy or expense spikes.

    What Counts as NOI?

    Net Operating Income = Gross Rental Income − Operating Expenses. Operating expenses include property taxes, insurance, maintenance, management fees, and utilities — but NOT mortgage payments, depreciation, or income taxes.

    How Lenders Use DSCR

    DSCR loans qualify based on the property's income — not your personal tax returns. This makes them ideal for investors with complex income, multiple properties, or self-employment income that doesn't show well on paper.

    Improving Your DSCR

    You can improve DSCR by increasing NOI (raising rents, reducing vacancies, cutting expenses) or reducing debt service (larger down payment, longer amortization, lower rate). Our advisors show you the fastest path to qualification.

    DSCR Benchmarks by Loan Type

    Different lenders and programs have different DSCR thresholds.

    DSCR Range Lender Assessment Programs Available Typical Max LTV
    1.35x+Strong ✓Conventional, SBA 504, Agency, CMBS75%–80%
    1.25x – 1.35xAcceptable ✓Conventional, SBA 7(a), DSCR Programs70%–75%
    1.10x – 1.25xMarginal ⚠Bridge Loans, Private Lenders, Hard Money Exit60%–70%
    Below 1.10xChallenging ✗Asset-Based Lending, requires restructuring50%–60%

    Frequently Asked Questions

    Common questions about DSCR and CRE loan qualification.

    Know Your DSCR. Get Your Loan.

    Our advisors analyze your property financials and match you with the best CRE lenders — no guesswork, no upfront fees.

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    CRE CALCULATORS

    23 Professional-Grade Financial Tools

    Run the same numbers your lender runs — before you apply. Every calculator is free, instant, and requires no signup.

    Loan Analysis

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    Borrowers don't come to us because lending is complicated. They come because someone else made it harder than it needed to be.

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    Jason Kim
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