Debt Service Coverage Ratio (DSCR) Calculator
Debt service coverage ratio from net operating income and annual debt service, plus maximum debt service and loan amounts at common DSCR thresholds.
Loan details
Net operating income
New debt
Your results
Debt service coverage ratio1.80
- Total annual debt service
- $100,000.00
- Net operating income
- $180,000.00
| DSCR | Max total annual debt service | Max new loan amount |
|---|---|---|
| 1.15 | $156,521.74 | — |
| 1.25 | $144,000.00 | — |
| 1.35 | $133,333.33 | — |
| 1.50 | $120,000.00 | — |
Debt service coverage ratio measures income available to cover annual loan payments. A DSCR of 1.25 means income is 1.25 times the annual debt service. Agricultural lenders commonly underwrite to 1.25 or higher, but standards vary by lender, enterprise type, and loan structure. This calculator does not evaluate eligibility.
Estimate only. Your lender's terms, fees, and payment structure may differ.
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