Debt Service Coverage Ratio Calculator


What is a debt service coverage ratio?

Debt service coverage ratio (DSCR) is the ratio of cash accessible for servicing a loan or an entity's debt. It is used to measure an entity's capability to pay off a loan. A higher ratio makes it easier to obtain a loan. Commercial lenders use a minimum DSCR as a loan requirement. Fill out the fields below to calculate your DSCR. To calculate the minimum NOI needed for a particular DSCR, fill out the calculator below and drag the slider to the desired DSCR.
Please note that most conventional loans require a DSCR of 1.2x or higher.

DSCR = NOI / Debt Service


DSCR: 1.2x

Note: The commercial mortgage calculators displayed in this website should be used as a guideline and do not represent a commitment to lend. Commercial Loan Direct and CLD Financial, LLC are not liable for any calculation errors.