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DSCR and loan size calculator
See how much a commercial lender will likely lend on your property, based on debt service coverage and loan-to-value.
Estimated max loan
$0
- Monthly payment
- $0
- Max by DSCR
- $0
- Max by LTV
- $0
- Actual DSCR at max loan
- 0.00x
Estimate only. Lender terms depend on full underwriting.
How to use it
What is DSCR?
Debt service coverage ratio: net operating income divided by annual debt service (principal and interest). A DSCR of 1.25x means the property earns 25% more than its loan payments.
What DSCR do lenders require?
Most banks and agencies want 1.20x to 1.35x. Some DSCR loan programs go down to 1.00x.
What counts as net operating income?
Rental and other income, minus vacancy and operating expenses like taxes, insurance, utilities, repairs and management. It excludes the mortgage payment, depreciation and income taxes.