DSCR Calculator

Analyze investment property debt service coverage ratio

DSCR measures a property's ability to cover its debt payments. Most lenders require a minimum DSCR of 1.20-1.25 for investment properties.

Property Income

Monthly Rent

Other Monthly Income

Vacancy Rate (%)

Operating Expenses

Property Taxes

Insurance

Maintenance & Repairs

Property Management

Utilities

Other Expenses

Loan Details

Loan Amount

Interest Rate (%)

Loan Term (years)

Required DSCR

DSCR Ratio

0.00

Required: 1.25

Net Operating Income

Monthly NOI

Monthly Cash Flow

Annual: $0

Cash Flow Analysis

Monthly income, expenses, and cash flow breakdown

Income Breakdown

Effective Income: $0

Rental Income

Vacancy Loss

Expense Breakdown

Total Expenses: $0

Property Taxes

Insurance

Maintenance

Management

Other Expenses

Loan Analysis

Current Loan Amount:$400,000

Monthly Debt Service:$0

Max Loan @ 1.25 DSCR:$0

Loan Capacity:Insufficient

Income Requirements

Current Gross Income:$0

Required Gross Income:$0

Income Gap:$0

Status:Meets Requirements

Gross Rent Multiplier

9.5

Cap Rate

0.0%

Expense Ratio

0.0%

Cash-on-Cash Return

0.0%