DSCR Loan Calculator
Calculate NOI, PITIA, and DSCR using lender-style inputs.
INVESTOR-GRADE TOOL
PRIMARY OUTPUT
Debt Service Coverage Ratio
0.00x
Enter numbers to evaluate
Monthly NOI
$0
Monthly PITIA
$0
Qualify?
No
1. Property Information
2. Income Calculation
Use the rent figure the lender is likely to underwrite, then apply a vacancy factor to estimate effective gross income.
3. Expense Calculation
4. Debt Service Calculation
Deal Verdict
Enter your deal numbers above.
DSCR Quick Reference
- 1.25+ — Strong. Deal absorbs surprises. Proceed to full underwriting.
- 1.00 – 1.24 — Marginal. Thin margin. Stress test required.
- Below 1.00 — Negative Coverage. Does not qualify. Renegotiate or walk.
Calculated Metrics
Effective Gross Income
$0
Total Monthly Expenses
$0
Annual NOI
$0
Monthly P&I
$0
Underwriting Breakdown
Monthly Taxes: $0
Monthly Insurance: $0
Monthly HOA: $0
Assessment
Enter the deal inputs, then calculate to see whether the property looks strong, moderate, or weak from a DSCR standpoint.
How this tool works
- Effective gross income = rent used for DSCR × (1 − vacancy factor)
- Total monthly expenses include taxes, insurance, HOA, management, maintenance, utilities, and other expenses
- Monthly NOI = effective gross income − total monthly expenses
- Monthly PITIA = principal & interest + monthly taxes + monthly insurance + HOA
- DSCR = monthly NOI ÷ monthly PITIA