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Calculate your Debt Service Coverage Ratio. Most DSCR lenders require 1.25x or higher. See your max loan amount at that threshold.
Maintenance, PM, etc. (not tax/ins)
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Enter the property, expense, and loan assumptions to reveal the DSCR ratios, debt service, and max qualifying loan amount.
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Free calculator guide
The free DSCR calculator helps investors see whether a property's income supports the debt. It is designed for lender-style thinking: coverage ratio, debt service pressure, and what loan amount the deal can realistically carry before qualification gets tight.
The calculator estimates DSCR, DSCR including taxes and insurance, cash flow, annual NOI, debt service, LTV, and the max loan amount at a 1.25x threshold. That makes it useful for lender conversations and purchase screening.
Rent, vacancy, operating expenses, rate, and leverage all move DSCR quickly. The ratio improves when income is real and debt service is controlled. It falls fast when either side gets stretched.
Use DSCR to see whether a property qualifies cleanly, not just barely. A thin ratio can still close, but it usually leaves less room for pricing pressure, rate movement, or operating surprises.
Debt service coverage ratio compares a property's net operating income to its debt service. Lenders use it to judge whether the property's income is strong enough to support the loan.
Many lenders look for 1.20x to 1.25x or better, though exact thresholds vary by lender, asset type, and market.
Because DSCR is a ratio. Small changes in monthly NOI or debt service can push the property from comfortably qualified to marginal very quickly.
Check the underlying income quality behind the loan qualification story.
Use a broader underwriting view when you need more than loan qualification.
Compare lender qualification against your actual return on invested cash.