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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

Results
Debt service coverage analysis
1.35x
Debt Service Coverage Ratio
Meets typical lender requirements (1.25+)
Monthly NOI$15,000
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

Simple napkin-math for illustration only—not financial, legal, or investment advice. Do your own due diligence.