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fin.DSCR-commercial-property Calculator
Calculates DSCR for a commercial property from NOI and annual debt service, and determines maximum loan amount at a target DSCR. Commercial lenders typically require DSCR ≥ 1.25× — this constrains the maximum debt load regardless of LTV.
Inputs
Noi Usd
Reference formula or conversion factor shown for context.
Loan Amount Usd
The total sum borrowed. Even a small reduction here compounds into large interest savings over a 30-year term.
Interest Rate Pct
Yearly rate charged on the outstanding balance. Enter as a percentage (e.g. 6.5 for 6.5%). Even 0.5% difference on a large loan adds up to tens of thousands over 30 years.
Amort Yr
Total repayment period in years. Most interest is paid in the early years — extra payments early in the term save the most.
Results
debt service coverage ratio DSCR
Net operating income / total debt payments. Lenders typically require ≥ 1.25. A ratio of 1.0 means income exactly covers debt with no cushion.
annual debt service ADS ($/yr)
The result expressed on a per-year basis.
monthly payment ($/month)
Fixed monthly instalment covering principal and interest. Does not include property tax or insurance unless explicitly shown.
DSCR = NOI / Annual Debt Service
The result expressed on a per-year basis.
lender requirements
Sample size or count used in the calculation.
lending status
Current state of the system, process, or metric — typically pass/fail, healthy/warning/critical, or a descriptive classification.