Free calculator
DSCR Calculator
Inputs
Type whole dollars. Commas and symbols are ignored.
DSCR
—
Enter both numbers to see the result.
Most lenders want 1.25x or higher. 1.0x = breakeven; below 1.0x the property can't cover its mortgage from operations.
What it measures
DSCR (debt service coverage ratio) is NOI divided by annual debt service. Lenders use it to size loans: it tells you how much cushion the property's income has over its mortgage payments. Below 1.0 means the property doesn't cover its own debt.
Questions
What DSCR do lenders require?
Commonly 1.25x for stabilized commercial/multifamily, though it varies by lender and asset. DSCR-loan products for rentals sometimes allow ~1.0–1.2x.
How do I raise DSCR?
Increase NOI (rents, expense control) or lower debt service (larger down payment, better rate/term). PropHunt stress-tests DSCR against rate shocks on every deal.
One number screens a deal. The full analysis underwrites it.
10 specialist reads, a 10,000-path Monte Carlo and a pencil price: the most you can pay and still clear the lender's DSCR floor. 2-3 minutes and under $3 a building.
- specialist reads per deal
- 10
- Monte Carlo paths
- 10,000
- per full analysis
- 2-3 min
- a building, any plan
- <$3