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Paragon Pragmatic Lending
1915 Foxtail Terrace, Kelowna BC V1P 1T9
BCFSA Brokerage License X301089
(778) 557-2144
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Information is general and not legal, tax, or investment advice. Strategies like the Smith Manoeuvre (Maneuver) and cash or rental damming involve risk. Consult a qualified tax professional.
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DSCR / NOI analyzer

Blend property NOI with portfolio obligations to confirm coverage targets.

Save + compare

Unlock the full calculator suite

Create a free account to save scenarios, compare options, and share results with your broker team.

  • Save unlimited scenarios and track changes over time
  • Compare rate options side by side with broker feedback
  • Export reports for underwriting or renewal planning
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Gross rent (monthly) currency$
Other income currency$

Parking, laundry, storage, or ancillary income.

Operating expenses currency$

Maintenance, management, utilities, insurance, etc.

Replacement reserve currency$

Monthly reserve for capital expenditures.

Mortgage principal & interest currency$
Taxes & insurance currency$
Other property debt currency$

HELOC interest, second liens, or unsecured property debt.

Portfolio NOI (monthly) currency$

Existing net operating income from other properties.

Portfolio debt service currency$

Monthly obligations from other properties.

Common lender targets fall between 1.10x and 1.25x.

DSCR / NOI analyzer

Stack property NOI against debt service and portfolio context to confirm coverage.

Save scenario

How this calculator works

Calculate debt service coverage ratio for rental or investment properties.

Use it to understand how easily rental income covers debt payments.

Inputs you will need

  • Net operating income
  • Monthly debt payments
  • Property expenses

Assumptions and limitations

  • Assumes stable rental income.
  • Does not include vacancy stress unless you adjust income.
  • Lender thresholds vary.

Example scenarios

Target DSCR 1.2

Check if income covers payments with a buffer.

Interest rate change

See how DSCR shifts when rates increase.

Related tools

Rental qualifierInvestment serviceRate comparison

Save and compare scenarios

Create a free account to save scenarios, compare options side by side, and share results with your broker team.

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Frequently asked questions

What DSCR is considered good?

Many lenders prefer 1.2 or higher, but thresholds vary.

Does DSCR replace GDS/TDS?

Some lenders use it for investors. Others still use standard ratios.

Can I use gross rent?

DSCR is based on net operating income after expenses.