DSCR calculator
Enter net operating income and annual debt service to get the Debt Service Coverage Ratio, read against typical lender thresholds. Everything runs in your browser.
Calculator
Total debt service is interest plus principal. A DSCR of 1.0 means income exactly covers debt payments.
How to read your DSCR
DSCR is net operating income divided by total debt service. Below 1.0, the property does not earn enough to cover its debt. Between 1.0 and about 1.25 is thin. Lenders commonly look for a minimum in the region of 1.25 to 1.35, and often higher for riskier asset classes or shorter income. Comfortably above that range signals resilience.
A falling DSCR is an early warning of refinancing or covenant risk. For what the inputs mean, see what NOI is and what counts as a good DSCR, or the full key metrics guide.
A note on STREETS and DSCR: STREETS consolidates and validates the underlying income and cost data that DSCR builds on, so the inputs are consistent and current. It is not currently positioned as a DSCR engine — this tool lets you compute it directly.
Trustworthy inputs, every cycle
DSCR is only as good as the NOI behind it. STREETS gives you one validated, portfolio-level dataset so the numbers your metrics rest on are consistent and auditable. Book a walkthrough.
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