DSCR Calculator

Estimate NOI, debt service, and DSCR using simple, transparent inputs.

Gross Rent (monthly)

Other Income (monthly)

Vacancy Factor (%)

Property Mgmt (%)

Taxes (annual)

Insurance (annual)

HOA (annual)

Utilities (annual)

Maintenance (annual)

CapEx Reserve (annual)

Other Expenses (annual)

Loan Amount

Interest Rate (%)

Term (years)

Amortization (years)

Interest Only? Yes (IO payment)

Note: This calculator is an estimate and is not underwriting. Actual lender DSCR methods vary.

Definitions:
EGI = income after vacancy.
NOI = EGI minus operating expenses (excludes debt).
DSCR = NOI ÷ Debt Service.