Blend property NOI with portfolio obligations to confirm coverage targets.
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Parking, laundry, storage, or ancillary income.
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.
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.
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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.