DSCR Analysis
A debt-service coverage view using direct annual amounts or a complete monthly estimate.
Generated Jul 16, 2026, 10:22 AM UTC · US market · USD
Key outputs
Deterministic results calculated from the assumptions below.
- Debt service coverage ratio
- 1.25×
- Target status
- Meets entered target
- Net operating income
- $75,000
- Annual debt service
- $60,000
- Maximum annual debt service
- $60,000
- Maximum monthly payment
- $5,000.00
- Required NOI
- $75,000
Scenario inputs
Values encoded in this report URL. Anyone with the URL can read them.
- Input mode
- Direct annual
- Target DSCR
- 1.25×
- Net operating income
- $75,000
- Annual debt service
- $60,000
Assumption checks
Deterministic checks generated from this scenario's inputs and outputs.
Lender requirements vary
The target is an analysis assumption, not a lending decision or promise of loan eligibility.
NOI sensitivity
NOI changes while annual debt service and the selected target remain fixed.
| NOI change | NOI | DSCR | Target status |
|---|---|---|---|
| -10.00% | $67,500 | 1.13× | Below target |
| -5.00% | $71,250 | 1.19× | Below target |
| Base | $75,000 | 1.25× | Meets target |
| +5.00% | $78,750 | 1.31× | Meets target |
| +10.00% | $82,500 | 1.38× | Meets target |
Modeled assumptions and limits
Read these boundaries before interpreting the result.
- Direct annual NOI and debt service take precedence when both are provided.
- Monthly mode annualizes rent less expenses and the entered mortgage payment.
- The editable target is an educational comparison, not a lender qualification decision.
Formula reference
Transparent calculation method
Annual NOI from monthly inputs
(Monthly rent - Monthly expenses) × 12
When annual NOI is not supplied, the calculator annualizes monthly rent after monthly operating expenses.
Annual debt service from monthly inputs
Monthly mortgage payment × 12
When annual debt service is not supplied, the calculator annualizes the monthly mortgage payment.
Debt service coverage ratio
NOI ÷ Annual debt service
DSCR compares net operating income with the annual debt payments it must cover.
Maximum annual debt service
NOI ÷ Target DSCR
This is the annual debt service that would exactly meet the selected target DSCR.
Required NOI
Annual debt service × Target DSCR
This is the NOI required for the current annual debt service to exactly meet the selected target.