DSCR Calculator for Rental & Commercial Property — Free Estimate
Calculate a property's debt-service coverage ratio from rent, expenses, and the estimated payment. Free tool — estimates only, not a qualification.
Check the coverage ratio
Debt-service coverage compares a property's income after operating expenses to its loan payment. Many lenders look for roughly 1.25 or higher — a common published guideline, not a FundPath requirement.
Taxes, insurance, maintenance, management
Monthly net income
$1,900
after operating expenses
Annual debt service
$16,800
12 estimated payments
DSCR
1.36
net income ÷ payment
Read
Above the 1.25 level commonly cited
An estimate for planning only, based on the numbers you enter. Requirements vary by lender, program, and property. This is not a qualification, an offer, or an approval. FundPath is not a lender.
FundPath is not a lender and does not make credit decisions. Calculator results are planning estimates based entirely on the values you enter, using standard formulas. They are not rate quotes, offers, approvals, preapprovals, or promises of any outcome. Actual rates, terms, and criteria are set by individual lenders and are subject to underwriting. This tool is general educational information, not financial, legal, or tax advice.