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This weeks most popular article - Why You Should Join the Non-Recourse Loan Club?

Congratulations! If you are reading this and wanting to learn more about non-recourse financing – you have the opportunity to join one of the most exclusive groups in America – The Non-Recourse Loan Club.

There isn’t really a club. It is just that Non-Recourse Lending is one of the best-kept secrets that an elite group of mostly wealthy developers and investors of commercial real estate reap the benefits READ MORE

Debt Service Coverage Ratio Calculator

Enter the total Net Operating Income per year
Enter the Debt service per year
Debt coverage ratio

How is DSCR  (Debt Service Coverage Ratio) Calculated?

The DSCR is basic algebra containing two knowns: Annual Net Operating Income and Annual Loan Payments, and one unknown – the DSCR.

NOI - Annual Net Operating Income (Gross Income less all expenses)

Annual Debt Service -  Annual Loan Payments (principal and Interest) 

Annual Net Operating Income / Annual Loan Payments = DSCR

Example:  Annual Net Operating Income: $136,000 /annual debt Service $96,000 = DSCR  1.42

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