DSCR Calculator

Calculate your Debt Service Coverage Ratio and see if your income supports your loan. Most lenders require 1.25+.

Financial Details

Income & Expenses
$
$
Excludes debt payments
Debt Payments
$
Other loans, mortgages, leases
$
Or use the Loan Calculator to estimate

DSCR Result

Debt Service Coverage Ratio
2.50
Strong
Annual Gross Revenue $500,000
Annual Operating Expenses $200,000
Net Operating Income (NOI) $300,000
Total Annual Debt Payments $120,000

What This Means

Your DSCR of 2.50 means your business generates $2.50 for every $1 in debt payments. Most lenders require 1.25+. You're in an excellent position.

What Lenders Look For

≥ 1.25 (strong) Likely to qualify
1.0 – 1.25 (marginal) May need more equity
< 1.0 (insufficient) Unlikely to qualify

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