Commercial real estate
Debt Service Coverage Ratio Calculator
Measure the property income available to cover annual principal and interest payments.
Calculate your result
What this calculator estimates
Measure income available to cover property debt. It combines the inputs below to produce Debt service coverage ratio. Every assumption remains editable so the estimate can reflect the property, financing and location being evaluated.
Worked example
Using the displayed sample assumptions, the calculator produces 1.71×. This is an illustration, not a market quote. Change one input at a time to understand what drives the result.
Inputs and assumptions
- Annual net operating income — sample input: 120000 currency units
- Annual principal payments — sample input: 45000 currency units
- Annual interest payments — sample input: 25000 currency units
- Other annual debt service — optional — sample input: 0 currency units
- Lender target DSCR — optional — sample input: 1.25 ratio
How to interpret the result
Use lease definitions and verified operating statements. Compare a conservative case with an expected case and keep a record of the assumptions used.
Common mistake to avoid
Do not compare properties using inconsistent NOI definitions. Local definitions, taxes, lending practices and measurement requirements can materially change the result.
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Reviewed 2026-09-08.