Mortgage Tools You Can Trust

Whether you’re planning standard loan payments or exploring DSCR scenarios

DSCR and Debt Coverage Calculator

Estimate DSCR = Net Operating Income ÷ Total Monthly Debt Service [P and I + Taxes + Insurance + HOA].

Income and Expenses per month

Gross Scheduled Rent

Other Income [parking, laundry]

Vacancy and Credit Loss 5%

Operating Expenses [excludes debt, tax, insurance, HOA]

Debt Service Inputs calculated from loan details

Loan Amount

Interest Rate [APR %]

Term [Years]

Taxes per month

Insurance per month

HOA per month

Estimated P and I = —; Total Debt Service = —

Results

Effective Gross Income—

Operating Expenses—

Net Operating Income—

Total Debt Service [PITI + HOA]—

DSCR —

Coverage Cushion—

NOI minus Debt Service—

Estimates only, not a loan offer. Program rules can vary by lender and product. Confirm specifics with Everyday Lending Group.