DSCR calculator
Does the rent cover the loan? What lenders check first.
DSCR
1.08
NOI
$19,500
DSCR = Net operating income ÷ Annual debt service
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Is this a good investment? →How it works
DSCR measures how comfortably a property's income covers its loan payments. A DSCR of 1.0 means income exactly equals the mortgage.
Most DSCR lenders want 1.2–1.25 or higher.
Frequently asked questions
What DSCR do lenders require?
Typically 1.2 to 1.25. Some lenders go to 1.0 with a higher rate or bigger down payment.