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Underwriting calculator
Debt service coverage ratio
Enter annual net operating income and annual debt service to calculate the DSCR. Use amounts from the same 12-month period.
Illustrative example
Your annual figures
Use annual amounts in U.S. dollars.
Net operating income for the year, before debt service.
Total debt payments due over the same year; must be greater than $0.
Your result
1.20x
$120,000.00 ÷ $100,000.00 = 1.20x
How DSCR works
DSCR = annual NOI ÷ annual debt service
It compares net operating income for one year with the debt payments due over that same year.