DSCR Calculator
See whether a rental property’s estimated operating income covers its mortgage payment. Enter monthly amounts below to calculate debt service coverage ratio, annual NOI and cash flow.
DSCR = annual net operating income ÷ annual debt service. This is an estimate; lender underwriting can use different income, expense and reserve assumptions.
Check the assumptions behind the ratio.
A DSCR of 1.00× means estimated NOI equals annual debt service. A higher result means more income remains after the debt payment. Rent, vacancy, repairs and loan terms can change the answer quickly.
For a lender quote, ask which expenses, reserves and debt payments it includes. This calculator uses a simple property NOI method; lender-approved DSCR may differ.
Read the DSCR guide →Compare more than one ratio.
The Rental Property Deal Analyzer also models cash flow, cap rate, cash-on-cash return, loan amortization and multiple purchase scenarios.
See the Deal Analyzer →Save your assumptions and compare five properties.
The Deal Analyzer adds financing, cash flow, return metrics, a 10-year projection and a side-by-side deal comparison to your next review.
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