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DSCR Calculator

Estimate DSCR from rent, expenses, and financing terms.

Parcel Platform
Mar 4, 2026
DSCR Calculator
Price $350,000 • Rent $2,400/mo
Property + income
Operating expenses (monthly)
Financing
DSCR
0.86×
NOI (monthly)
$1,498
Mortgage P&I (monthly)
$1,746
Cash Flow (monthly)
-$248
Rent Needed (target DSCR)
$3,121/mo
Loan Amount
$262,500

DSCR is calculated as NOI ÷ mortgage P&I using your inputs. Lenders may calculate DSCR differently, so use this as an estimate.

What is DSCR?

DSCR (Debt Service Coverage Ratio) is a lending metric that compares a property's net operating income to its debt obligations. Lenders use DSCR to assess whether rental income can cover mortgage payments—typically requiring 1.20× or higher.

Formula
DSCR = Net Operating Income (NOI) ÷ Annual Debt Service

How this calculator works

DSCR (Debt Service Coverage Ratio) measures how comfortably a property's income covers the mortgage payment. It's a common rental-lending metric and a fast way to sanity-check a deal.

What it includes
  • NOI estimate (monthly + annual)
  • Monthly debt service estimate (P&I)
  • DSCR
  • Rent needed for a target DSCR
How to use it
  1. Enter expected rent (use comps, not the listing).
  2. Add vacancy and realistic operating expenses (excluding the mortgage).
  3. Enter loan amount, rate, and term to estimate debt service.
  4. Check DSCR against your lender’s minimum and stress test your assumptions.

FAQ

Is DSCR the same as cash flow?
No. DSCR compares NOI to the mortgage payment. Cash flow is what’s left after paying the mortgage (and any other debt). A deal can have “acceptable” DSCR but weak cash flow if expenses are underestimated.
What DSCR should I target?
Many DSCR lenders want roughly 1.15–1.25+ depending on the program. Higher DSCR gives you more margin if rent dips or expenses come in higher than expected.
Should I include taxes and insurance in DSCR?
Some lenders use P&I only; others use a PITI-style approach. If you’re unsure, use conservative operating expenses and treat the DSCR result as a screening number—not a guarantee.
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