We use cookies to measure how the site is used and to show ads that keep our tools free. Our calculators work fully without cookies and never send your financial inputs anywhere. See our Privacy Policy.
Calculate the debt service coverage ratio that lenders use to assess investment property loans, and check whether you meet a given threshold.
Rental income minus operating expenses, before debt.
Total yearly mortgage principal and interest.
Lender threshold
Meets minimum
Many commercial and investment lenders look for 1.20 to 1.25 or higher, meaning income comfortably exceeds debt payments.
The property does not generate enough income to cover its debt payments, so you would need to fund the shortfall from other sources.
Disclaimer: This calculator provides estimates for informational purposes only and is not financial, tax, or legal advice. Verify figures with a qualified professional before making decisions.