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Canadian mortgage tools · CAD

DSCR / NOI

Current public data and calculations from Pragmatic Mortgage. Anonymous access; no account required.

calculator
slug
dscr
title
DSCR / NOI
description
Debt Service Coverage at property and portfolio levels.
category
investment
input Schema
{
  "type": "object",
  "properties": {
    "grossRentalIncomeMonthly": {
      "anyOf": [
        {
          "type": "number"
        },
        {
          "type": "string",
          "pattern": "^-?\\d+(?:\\.\\d+)?$"
        }
      ]
    },
    "otherIncomeMonthly": {
      "anyOf": [
        {
          "type": "number"
        },
        {
          "type": "string",
          "pattern": "^-?\\d+(?:\\.\\d+)?$"
        }
      ],
      "default": "0"
    },
    "vacancyRatePercent": {
      "anyOf": [
        {
          "type": "number"
        },
        {
          "type": "string",
          "pattern": "^-?\\d+(?:\\.\\d+)?$"
        }
      ],
      "default": "0"
    },
    "operatingExpensesMonthly": {
      "anyOf": [
        {
          "type": "number"
        },
        {
          "type": "string",
          "pattern": "^-?\\d+(?:\\.\\d+)?$"
        }
      ],
      "default": "0"
    },
    "replacementReserveMonthly": {
      "anyOf": [
        {
          "type": "number"
        },
        {
          "type": "string",
          "pattern": "^-?\\d+(?:\\.\\d+)?$"
        }
      ],
      "default": "0"
    },
    "mortgagePrincipalInterestMonthly": {
      "anyOf": [
        {
          "type": "number"
        },
        {
          "type": "string",
          "pattern": "^-?\\d+(?:\\.\\d+)?$"
        }
      ]
    },
    "taxesInsuranceMonthly": {
      "anyOf": [
        {
          "type": "number"
        },
        {
          "type": "string",
          "pattern": "^-?\\d+(?:\\.\\d+)?$"
        }
      ],
      "default": "0"
    },
    "otherDebtServiceMonthly": {
      "anyOf": [
        {
          "type": "number"
        },
        {
          "type": "string",
          "pattern": "^-?\\d+(?:\\.\\d+)?$"
        }
      ],
      "default": "0"
    },
    "portfolioNetOperatingIncomeMonthly": {
      "anyOf": [
        {
          "type": "number"
        },
        {
          "type": "string",
          "pattern": "^-?\\d+(?:\\.\\d+)?$"
        }
      ],
      "default": "0"
    },
    "portfolioDebtServiceMonthly": {
      "anyOf": [
        {
          "type": "number"
        },
        {
          "type": "string",
          "pattern": "^-?\\d+(?:\\.\\d+)?$"
        }
      ],
      "default": "0"
    },
    "targetDscr": {
      "anyOf": [
        {
          "type": "number"
        },
        {
          "type": "string",
          "pattern": "^-?\\d+(?:\\.\\d+)?$"
        }
      ],
      "default": "1.20"
    }
  },
  "required": [
    "grossRentalIncomeMonthly",
    "mortgagePrincipalInterestMonthly"
  ],
  "additionalProperties": false
}

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