CREFCOA Knowledge Center

DSCR Calculator


DSC Calculator - Debt Service Coverage Calculator

The DSCR or debt service coverage ratio is the relationship of a property's annual net operating income (NOI) to its annual mortgage debt service (principal and interest payments). For example, if a property has $125,000 in NOI and $100,000 in annual mortgage debt service, the DSCR is 1.25.

Use our debt service coverage calculator to quickly determine the DSCR for your multifamily of commercial property. It's important to understand that how you calculate the NOI will differ from how a lender calculates DSCR. Learn more about how a lender calculates NOI and debt service coverage.

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Commercial Loan Calculator - DSCR Calculator - Definitions

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