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DSCR Calculator
Check whether a rental qualifies for a DSCR investor loan — annual NOI, annual debt service, and the DSCR ratio.
Property & loan
Rent & fixed expenses
Assumptions (% of rent)
DSCR
1.06
Annual NOI
$16,656
Annual debt service
$15,732
Break-even rent / mo
$2,103
Loan amount$187,500
Monthly P&I-$1,311
Monthly NOI$1,388
NOI / debt service1.059
DSCR ≥ 1.00 (qualifies) Pass
DSCR ≥ 1.25 (best pricing) Fail
DSCR ≥ 1.50 (strong deal) Fail
Note: many DSCR lenders exclude vacancy and management from expenses, which inflates the ratio ~5–15%. Your lender's letter of intent is the source of truth — this calculator lets you compare apples to apples across properties before you apply.
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Enter a property's details to evaluate DSCR, cap rate, cash flow and cash-on-cash in one place. Free 14-day Pro trial.
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