DSCR Calculator

The debt service coverage ratio tells lenders whether a property's income covers its debt payments. Above 1.25 is commonly required for investment loans.

Your details

Net operating income (NOI)$Annual debt service$

Debt service coverage ratio

1.25

Debt service coverage ratio1.25

Formula

DSCR = net operating income ÷ annual debt service.

Sources & methodology

•U.S. SBA — business guides — U.S. SBA

Last updated: 2026-07-20

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