DSCR Calculator

Find out whether a property or business earns enough to cover its loan payments — the way a lender looks at it.

Features

• Step-by-step build-up: effective income, operating expenses, then net operating income (NOI)
• Your debt service coverage ratio, plus the cash flow left after debt payments, per year and per month
• A maximum-payment check: the biggest monthly payment your income supports at your target DSCR
• A plain-English guide to reading your ratio, built into the sheet

How to use it

1. Enter the annual income and vacancy percentage in Step 1
2. Add operating expenses in Step 2 — loan payments do not go here
3. Enter the loan payment in Step 3 and read your DSCR in the results box

Format: Excel (.xlsx — also opens in Google Sheets) + printable PDF