FREE DSCR Calculator for BRRRR Investors

Calculate your Debt Service Coverage Ratio (DSCR) to determine if your property's income can support your loan payments

DSCR Calculator for Real Estate Investors

Calculate your Debt Service Coverage Ratio (DSCR) to determine if your property's income can support your loan payments.

Property Income & Expenses

Monthly Rental Income

Please enter a valid rental income amount

Other Monthly Income (optional)

Vacancy Rate

Please enter a valid vacancy rate (0-100)

Monthly Operating Expenses

Please enter a valid operating expenses amount

Loan Details

Monthly Loan Payment

Please enter a valid loan payment amount

Results

Gross Monthly Income:

Vacancy Loss:

Effective Gross Income:

Operating Expenses:

Net Operating Income (NOI):

Monthly Debt Service:

Debt Service Coverage Ratio (DSCR):

0.00

Lender Requirement (Typically):

1.25 or higher

Understanding DSCR

The Debt Service Coverage Ratio (DSCR) measures a property's ability to cover its debt obligations. It's calculated by dividing the Net Operating Income (NOI) by the total debt service.

DSCR = Net Operating Income / Debt Service

A DSCR of 1.0 means the property generates just enough income to cover its debt payments. Most lenders require a DSCR of at least 1.25 for commercial real estate loans or BRRRR refinancing, indicating that the property generates 25% more income than needed for debt service.

Higher DSCR values represent lower risk to lenders and better cash flow for investors.