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DSCR (Lender View)

Calculate DSCR, maximum loan by DSCR target, and required NOI. Optionally evaluate purchase price & LTV.

Income

Need help estimating NOI?
Helper NOI (annual): $29,448
NOI = GPR − vacancy + other income − fixed − variable (% of GPR)

Loan Terms

Common targets: 1.10–1.25

Proposed Financing

DSCR (Lender View) — Summary
Prepared September 30, 2025

DSCR & Debt Service

Proposed loan$600,000
Monthly debt service (P&I)$3,774.64
Annual debt service (ADS)$45,296
DSCR (NOI ÷ ADS)0.93

Some lenders require DSCR ≥ 1.20. Terms vary by program and property type.

Max Loan by DSCR Target

Target DSCR1.20
Max monthly payment allowed$2,916.67
Max loan by DSCR$463,621
Required NOI @ target (for proposed)$54,355

Increase NOI or reduce loan/terms to improve DSCR.

LTV Context

Switch to “Purchase Price + LTV” to compare DSCR vs LTV limits.

Assumptions & Notes
  • DSCR = NOI ÷ Annual Debt Service. NOI excludes debt service, CapEx reserves, and income taxes.
  • Payment uses a fully-amortizing schedule over the selected term (amortization years).
  • Programs vary; some include stressed rates or different DSCR floors by property.