Financing calculator
Debt service coverage ratio
Enter annual net operating income and annual debt service from the same 12-month period. Review the current ratio, an adjustable NOI-decrease illustration, and the calculation.
01 · Annual inputs
Your annual figures
Use U.S. dollar amounts from the same 12-month period.
Net operating income for the year, before debt service.
Total debt payments due over the same year; must be greater than $0.
Inputs are saved only in this browser.
02 · Current estimate
Debt service coverage ratio
From the two annual amounts you entered
03 · NOI decrease scenario
Applies a 0–50% decrease to NOI while keeping annual debt service unchanged.
$108,000.00 ÷ $100,000.00
Illustration only. This scenario does not determine eligibility, indicate lender approval, or set a universal qualifying threshold.
04 · The calculation
DSCR = annual NOI ÷ annual debt service
- Annual NOI
- $120,000.00
- Annual debt service
- $100,000.00
$120,000.00 ÷ $100,000.00 = 1.20x
Both amounts cover the same 12-month period.
05 · Interpretation
How to read this estimate
DSCR compares NOI with annual debt service. Lenders may assess current or stabilized property income and may use an amortizing payment even when interest-only is available. Calculation methods and thresholds vary by lender and program. This is a preparation estimate only; it does not determine eligibility or predict approval.
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