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Debt Service Coverage Ratio (DSCR) from NOI Calculator

Ability to cover debt payments from operating income.

Calculates DSCR = Net Operating Income / Annual Debt Service. A DSCR > 1 means the property or business generates enough income to cover debt obligations; < 1 indicates a shortfall.

Marcus Laurent By Marcus Laurent
Published Last reviewed 1 min read

Inputs

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Results

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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

Calculates DSCR = Net Operating Income / Annual Debt Service. A DSCR > 1 means the property or business generates enough income to cover debt obligations; < 1 indicates a shortfall.