Debt Service Coverage
Can the property carry the loan?
The debt service coverage ratio divides a property's net operating income by its annual debt service. Lenders want to see this number comfortably above 1.0, and DSCR loans underwrite the property itself rather than your personal income. This calculator shows where a deal lands.
Browser-only estimate
Income coverage for the debt
Enter the rent, expenses, and loan terms. The DSCR and its benchmarks update as you type.
Tax, insurance, management, repairs, utilities, and HOA, before the mortgage.
Debt service coverage ratio
0.85
- Annual net operating income
- $19,560
- Monthly payment
- $1,910
- Annual debt service
- $22,921
- Lender benchmark
- Below 1.0: shortfall
Estimates only, not a loan approval. DSCR is annual NOI divided by annual debt service.
Get DSCR Loan OptionsGet the real numbers
Bring your numbers to a free strategy call
This is a browser-only estimate to help you plan. Michael “Wiz” Wisniewski pairs the math with real lender quotes, current tax and insurance figures, and a plan that fits your goals. No obligation, no pressure.
This is a browser-only estimate with simplified assumptions, not a loan approval.
DSCR loan minimums vary by lender and program, commonly 1.0 to 1.25 for a rate advantage.
Wiz connects investors with lenders who quote DSCR programs for Florida rental properties.