DSCR Loan Qualifier
Analyze your deal's DSCR strength and take the first step toward securing your funding.
Net Operating Income
Use the net income from your last year's tax return. You can add back taxes, depreciation, and any one-time capital expenditures.
Total Current Annual Debt Service$0
Current DSCR—
Calculate Current Annual Debt Service
List all existing property-related loans. The calculator automatically sums the annual debt service for all loans to determine your current DSCR.
Calculate Hypothetical DSCR by Adding New Loan Scenarios
Enter hypothetical loan terms to see how a new loan would impact annual debt service and DSCR.
Enter a positive NOI to calculate DSCR.
Results
Current DSCR
—Calculated using your existing total annual debt service only.New DSCR
—Calculated using existing debt service and hypothetical loan scenarios combined.Understanding Your DSCR Score
Get Your Detailed Report
Enter your details to download your DSCR report.
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Ready to take the next step?
Submit a Request for Proposal (RFP) on Bridge Marketplace to explore financing options.
Submit a Request for ProposalFor preliminary planning only. DSCR estimates are based on the figures you entered, so validate terms with your lender. Not an offer of credit.
Frequently asked questions
What is DSCR and how is it calculated?
The debt service coverage ratio (DSCR) is net operating income divided by annual debt service: DSCR = NOI ÷ total yearly loan payments. A DSCR of 1.50x means the property earns $1.50 of operating income for every $1.00 of debt payments.
What is a good DSCR for a commercial real estate loan?
Most commercial lenders look for a DSCR of at least 1.20x to 1.25x; hotels often need 1.30x or better because their income is more variable. Below 1.00x the property does not cover its own debt payments.
How is annual debt service calculated for each loan?
Each loan's monthly payment is computed from its amount, interest rate, and amortization period using the standard amortization formula, then multiplied by 12. The tool sums current loans, hypothetical loans, or both to produce current, proposed, and combined DSCRs.
Can I model a new loan on top of existing debt?
Yes. Enter your existing loans and the hypothetical new loan, and the tool reports the combined DSCR so you can see whether the property still qualifies after taking on the additional debt.