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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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Terry Painter, Founder and President



Dr. Cornell, Tulsa, OK

"You and your staff have moved heaven and earth to make the loan happen, and we have been very grateful for your expertise, professional demeanor, humor and support"

~ on his third loan with us

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