This DSCR calculator lets you quickly test whether a multifamily property’s net operating income can support proposed loan terms. Enter annual NOI and basic debt assumptions to calculate monthly payment, annual debt service, and debt service coverage ratio.

Inputs

Annual NOI ($) Loan Amount ($)

Interest Rate (%)

Amortization (years)

Interest-Only Period (years)

If IO > 0, the calculator assumes interest-only payments during that period, then full amortization over the remaining term.

Outputs

Monthly Payment

$—

Annual Debt Service

$—

DSCR

—

Enter values to calculate.

For full deal underwriting—including rent growth, expense detail, exit assumptions, and return metrics—see the Multifamily Analysis Model.

DSCR Calculator (Real Estate Loan Test)

Inputs

Outputs