DSCR Calculator - Commercial Debt Service Coverage Ratio
Calculate your commercial property Debt Service Coverage Ratio (DSCR). Determine net operating income (NOI), annual debt service, and bankable loan sizing.
⚡ Quick Start Asset Presets (Institutional Templates)
Property Parameters
Itemized Operating Expenses (USD)▼
💳 Commercial Mortgage Terms
Calculated DSCR1.29NOI / Debt Service
Risk StatusBANKABLELender approval rating
Net Operating Income$117,240EGI minus Ops
Lender Debt Yield9.77%NOI / Loan Amount
Underwriting Cash Flow statement
Calculated using commercial debt formulas
📊 Revenue Distribution Waterfall
17% Cash
61% Debt
16% Ops
5% Vac
Cash Flow ($26,222) Debt Service ($91,018) Operating Exp ($23,560) Vacancy Loss ($7,200)
| Operating Line Item | Monthly Amount | Annual Amount | % of Rent |
|---|---|---|---|
| Gross Potential Rent | $12,000 | $144,000 | 100.0% |
| Vacancy & Credit Loss (5%) | -$600 | -$7,200 | -5.0% |
| Other Operating Income | +$500 | +$6,000 | +4.2% |
| Effective Gross Income (EGI) | $11,900 | $142,800 | 99.2% |
| Operating Expenses | -$1,963 | -$23,560 | -16.4% |
| Replacement Reserve / CapEx | -$167 | -$2,000 | -1.4% |
| NET OPERATING INCOME (NOI) | $9,770 | $117,240 | 81.4% |
| Annual Debt Service (P&I) | -$7,585 | -$91,018 | -63.2% |
| NET CASH FLOW AFTER DEBT | $2,185 | $26,222 | 18.2% |