Finance category
Mortgage, loan, investing, tax, and money calculators.
Debt Service Coverage Ratio Calculator
Standalone DSCR calculator that handles both P&I-only and PITIA treatment, with lender target comparison. Use for rental property underwriting, commercial loans, and DSCR-specific lending programs.
DSCR
1.29
Lender flag
Passes minimum
Max annual debt service at target
$57,600
NOI cushion vs target
$2,000
How the math works
DSCR = NOI / annual debt service. Lenders typically require 1.20-1.25 for stabilized multifamily and commercial, 1.00-1.10 for newer DSCR lender programs on single-family rentals.
PITIA vs P&I only matters. Stricter lenders use PITIA (P&I + taxes + insurance + HOA) and require higher cushion. DSCR loans on single-family rentals often use P&I only with a slightly higher minimum.
How to Use
- Enter annual NOI (effective rent less operating expenses).
- Enter annual debt service (principal + interest).
- Pick P&I only or full PITIA.
- Enter lender's minimum DSCR to see pass/fail.
Frequently Asked Questions
What DSCR do residential DSCR loans require?
Varies by lender. 1.00 (break-even) minimum for most, 1.10-1.25 for best rates. Some no-ratio DSCR programs exist for high-quality borrowers, priced higher.
Commercial DSCR minimums?
1.20-1.25 for stabilized multifamily. 1.25-1.35 for office, retail. 1.40-1.50 for hotel, specialty. Conservative lenders add 0.1-0.2 cushion on top.
Should I use market rent or lease rent?
Both. Lender typically uses the lesser of current lease rent and market rent for occupied units, 75% of market rent for vacant. Conservative approach gives a stress-tested DSCR.
Related Calculators
More Finance Calculators
Browse all finance →AI Cost Calculator
Compare token costs across OpenAI, Anthropic, and Google AI models. Calculate monthly API spending for GPT-4o, Claude, Gemini, and more.
Tip Calculator
Calculate the perfect tip and split the bill between friends. Choose preset percentages or enter a custom tip amount.
Bill Splitter Calculator
Split an uneven restaurant bill by item, divide tax and tip proportionally, and see exactly who owes whom.
Discount Calculator
Calculate sale price, discount amount, stacked discounts, sales tax, and total savings for any markdown.
Gas Mileage Calculator
Calculate MPG or km/L, estimate trip fuel cost, and compare annual fuel expenses between two vehicles.
Sales Tax Calculator
Add sales tax to a price, reverse-calculate the pre-tax amount from a total, and estimate tax for multiple items on one receipt.
Keep exploring
Next steps in Finance
Previous calculator
Debt Payoff Calculator
Build a debt payoff plan, compare Avalanche vs. Snowball, and see how extra payments cut interest and payoff time.
Next calculator
Debt Settlement Calculator
Estimate realistic debt settlement offers, total cost including fees and taxes, and compare lump sum vs structured settlements to paying in full.