Debt Service Coverage Ratio (DSCR) Calculator

Essential for commercial loan approval analysis.

Net Operating Income ($) Annual Debt Service ($)

What is Debt Service Coverage Ratio (DSCR) Calculator?

The DSCR is the benchmark commercial lenders use to decide if your business or property generates enough income to cover its debt obligations. This calculator gives you your DSCR instantly so you can assess your loan readiness before approaching a bank.

How to Use This Tool

1. Enter your property or business net operating income (NOI). 2. Input your total annual debt service (principal + interest payments). 3. Click calculate for your DSCR score.

💡 Pro Tip: If your DSCR is below 1.25, focus on increasing NOI by reducing vacancies or operational expenses before applying. Run this calculator monthly to track your progress toward lender-ready numbers!