DSCR Calculator
Calculate the Debt Service Coverage Ratio for a rental or commercial property.
About this calculator
Lenders financing a rental or commercial property don't just check whether you can personally afford the loan, they check whether the property itself generates enough income to cover its own debt payments, and that's exactly what DSCR measures. This calculator divides a property's annual net operating income by its total annual debt service, principal and interest across all loan payments in the year, to produce a single ratio: above 1.0 means the property's income covers its debt, below 1.0 means it doesn't and the shortfall has to come from somewhere else. Enter NOI and annual debt service, and get the exact ratio lenders check against their minimum threshold instead of computing the division yourself and guessing whether the result clears typical underwriting standards. Because DSCR requirements and how NOI itself is defined vary by lender and loan product, use this figure as a self-check before applying and confirm your lender's specific NOI calculation method and minimum required ratio.
Worked example
₹12,00,000 NOI, ₹9,00,000 annual debt service
Result: DSCR = 1.33
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