CMCC Resource Guide
DSCR Guide
Understand debt-service coverage and why lenders use cash flow to evaluate repayment capacity.
Formula
DSCR = cash available for debt service ÷ total debt service.
Interpretation
A ratio above 1.00x indicates cash flow exceeds modeled debt service.
Context
Definitions vary by lender and transaction.
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Run an illustrative scenario, then review the result in context.
Educational resource only. This guide is not a financing approval, commitment, tax advice, legal advice or a substitute for source-specific underwriting requirements. Program requirements can change.
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Related CMCC Tools & Financing Paths
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