Rental property

Rental Property DSCR Calculator

Compare annual net operating income with annual debt service. Replace every default with figures that apply to your property and location.

What this calculator estimates

Compare annual net operating income with annual debt service. 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 1.07x. This is an illustration, not a market quote. Change one input at a time to understand what drives the result.

Inputs and assumptions

• Monthly rent — sample input: 4500 currency units
• Monthly other income — optional — sample input: 0 currency units
• Vacancy allowance — sample input: 5 %
• Annual operating expenses — sample input: 18000 currency units
• Monthly debt service — sample input: 2600 currency units

How to interpret the result

Review cash flow together with reserves, vacancy and financing risk. Compare a conservative case with an expected case and keep a record of the assumptions used.

Common mistake to avoid

Do not treat gross rent as net operating income. Local definitions, taxes, lending practices and measurement requirements can materially change the result.

Related calculators

Reviewed 2026-09-08.