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 inside a secure dashboard 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
Need the trust details before you share anything? Review Privacy, Disclosures, Security, and Editorial policy.
Interactive calculator
DSCR / NOI analyzer
Stack property NOI against debt service and portfolio context to confirm coverage.
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
Pressure-test the file before you submit it
Investor scenarios usually break on documentation, ratios, or lender fit. Use the guides and broker path below to confirm the file still works after the real constraints show up.
Guides
Read the Canada-specific playbook before you commit to the next step.
Execution
Use the broker workflow, rates pages, or secure dashboard to move from estimate to action.
Save and compare scenarios
Create a free account to save scenarios, compare options side by side, and share results with your broker team.
Want to verify how Pragmatic handles your data and guidance? Review Privacy, Disclosures, Security, and Editorial policy.
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.