Blend property NOI with portfolio obligations to confirm coverage targets.
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Parking, laundry, storage, or ancillary income.
Stack property NOI against debt service and portfolio context to confirm coverage.
Calculate debt service coverage ratio for rental or investment properties.
Use it to understand how easily rental income covers debt payments.
Target DSCR 1.2
Check if income covers payments with a buffer.
Interest rate change
See how DSCR shifts when rates increase.
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Many lenders prefer 1.2 or higher, but thresholds vary.
Some lenders use it for investors. Others still use standard ratios.
DSCR is based on net operating income after expenses.