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Debt-Service Coverage Ratio (DSCR) Calculator

DSCR = NOI / total debt service.

Compute the debt-service coverage ratio used in commercial real-estate lending: net operating income (NOI) divided by total annual debt service (principal + interest). DSCR ≥ 1.20 is typically required.

Nadia Almasri By Nadia Almasri
Published Last reviewed 1 min read

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How to use this calculator

  1. Fill in the inputs above using the units you already have.
  2. Values update automatically as you type — no submit button needed.
  3. Hover any result row for the underlying formula and intermediate values.

Formula

DSCR = NOI / debt service

In depth

Compute the debt-service coverage ratio used in commercial real-estate lending: net operating income (NOI) divided by total annual debt service (principal + interest). DSCR ≥ 1.20 is typically required.