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DSCR Calculator
Calculate Debt Service Coverage Ratio to evaluate loan feasibility for small bay industrial properties.
Loan Details
Enter your NOI and loan terms to calculate DSCR
Net Operating Income before debt service
Typical: 20–30 years for commercial loans
Debt Service Coverage Ratio
1.35x
Meets typical lender requirements (1.25+)
Monthly NOI
$15,000.00
Monthly Debt Service
$11,084.87
Monthly Cash Flow
$3,915.13
Annual Debt Service
$133,018.41
Annual Cash Flow After Debt
$46,981.59
Typical Lender Requirements
- 1.25x+ — Standard minimum for most lenders
- 1.20x — Minimum for strong sponsors
- <1.0x— Negative cash flow, won't qualify
For informational and illustrative purposes only. Not financial, legal, tax, or investment advice.
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