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Debt Service Coverage Ratio illustration

Real Estate · Loan

Debt Service Coverage Ratio

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Use DSCR to test whether income comfortably covers scheduled loan payments.

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Interactive workbench

Lender coverage screen

Net Operating Income / Annual Debt Service

The property produces 1.50 times the annual debt service.

Check your inputs before you rely on the result — calculations are informational only and depend entirely on the numbers you enter. See our Terms.

Variables and units

  • Net Operating Income

    Income after operating expenses.

    currency

  • Annual Debt Service

    Total annual loan payments.

    currency

Common mistakes

  • Using monthly debt service against annual NOI.
  • Treating DSCR as a percentage.

Step-by-step example

Lender coverage screen

The property produces 1.50 times the annual debt service.