What DSCR do lenders require?

Many DSCR loan programs require 1.0–1.25+. Higher ratios indicate more cushion between rental income and mortgage payments.

Is NOI the same as gross rent?

No. NOI subtracts operating expenses (taxes, insurance, maintenance, vacancy) from gross rental income before debt service.

easydailycalcs

Español Tools

DSCR Loan Calculator

Calculate Debt Service Coverage Ratio for investment properties. Instantly see if your rental income covers the loan, plus max qualifying loan amount.

Property & Loan

Enter rental income and loan terms to compute DSCR.

Gross Rent / mo

Expenses / mo

Loan Amount

Interest Rate

Term (years)

NOI: $3,300.00/mo ($39,600/yr) · P&I: $2,212.24/mo

DSCR Results

Debt Service Coverage Ratio analysis.

Strong

Annual NOI$39,600

Annual Debt Service$26,547

Coverage vs. 1.25 min1.49x

Debt Service Coverage RatioNOI ÷ annual principal & interest

1.49x

How It Works

DSCR = Net Operating Income ÷ Annual Debt Service. Lenders often require DSCR ≥ 1.0–1.25 for investment property loans. Max loan estimate uses target DSCR, rental income, and P&I payment at given rate and term.

Frequently Asked Questions

Related Calculators

1031 Exchange Calculator

Estimate capital gains taxes deferred through a 1031 like-kind exchange. See tax savings, boot amounts, and minimum reinvestment requirements instantly.

Real Estate ROI Calculator

Calculate rental property ROI with cap rate, cash-on-cash return, and annual cash flow. Instantly analyze investment returns from purchase price and rental income.

Solar ROI & Payback Calculator

Calculate solar panel payback period and return on investment. Instantly see annual savings, net system cost after incentives, and simple payback years.

DisclaimerThe results provided by this calculator are estimates and for informational purposes only. They do not constitute financial, legal, or professional advice. Please consult with a qualified professional for your specific needs.