DSCR Calculator
Compare cash available for debt service with annual debt service to estimate coverage.
What Does the DSCR Calculator Do?
The DSCR Calculator divides annual cash available for debt service by annual debt service to show a debt service coverage ratio. A ratio above 1.00x means the cash flow you entered covers the payments with something left over; a ratio below 1.00x means it does not.
DSCR Calculator
Illustrative EstimateNo partner account is needed to use this calculator. Add a name only if a banker, CPA or advisor referred you.
Have CMCC Review sends your contact details, any referring partner and this scenario to CMCC so a person can follow up. Please do not enter Social Security numbers, bank logins or other sensitive information.
Illustrative Results
Illustrative estimate only. The Chris Mafera Capital Corp. is a commercial financing advisory and brokerage firm, not a direct lender. This is not a financing offer, approval, or commitment.
Inputs, Results and Assumptions
What You Enter
- Annual cash available: the yearly cash flow you want to test, such as net operating income for a property or a cash-flow measure for a business.
- Annual debt service: total yearly principal and interest payments.
What the Results Show
- DSCR: cash available divided by debt service, shown as a multiple such as 1.25x.
- The two amounts used in the ratio, repeated for reference.
Assumptions and Limits
- Funding sources define cash available differently (for example NOI, EBITDA or global cash flow), so the same property or business can show different ratios.
- Minimum acceptable ratios vary by funding source and financing type. This page does not state any minimum.
- Annual debt service must be greater than zero.
The numbers pre-filled in the fields are sample values so the tool shows a result on first load. They are not CMCC rates, quotes or offers.
DSCR Calculator FAQs
What is a debt service coverage ratio?
It measures whether cash flow is large enough to cover debt payments. A ratio of 1.25x means the cash flow entered is 1.25 times the annual debt service. The DSCR guide explains how funding sources use it.
What is DSCR financing?
DSCR financing evaluates a request mainly on whether a property or business produces enough cash to cover its payments. In investment property lending, qualification often emphasizes the property's rental income relative to the payment. Availability and terms vary by funding source.
How do I find annual debt service for a new loan?
Estimate the payment with the Commercial Loan calculator and use its annual debt service figure here.
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Have CMCC Review carries your inputs and results into the application. CMCC is a commercial finance advisory and brokerage firm, not a direct lender; independent funding providers make their own credit decisions.