DSCR Calculator (Real Estate Loan Test)
Enter annual NOI and basic loan terms. This tool calculates your monthly payment, annual debt service, and DSCR. (DSCR = NOI ÷ Annual Debt Service)
Inputs
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. Check out how the DSCR calculation fits into the full underwriting framework.