DSCR Loan Qualifier

Commercial Real Estate Debt Service Coverage Ratio Calculator

Lender Type
Min DSCR: 1.25x ·  Max LTV: 75%
Property Income & Expenses
Loan Terms
Property Value
Current LTV
70.0%
Max allowed: 75%
Max Loan (LTV-based)
$3.00M
Does Not Qualify — Conventional Bank
NOI
$252K
Annual Debt Service
$243K
DSCR
1.04x
Min: 1.25x
DSCR ≥ 1.25x
1.04x
Conventional Bank minimum
LTV ≤ 75%
70.0%
Conventional Bank maximum
Break-Even Occ. ≤ 85%
92.5%
Occupancy needed to cover all costs
Monthly Payment
$20K
I/O: $17K/mo
Maximum Loan Analysis
Max by DSCR
$2.32M
At 1.25x coverage
Max by LTV
$3.00M
At 75% LTV
Binding Max Loan
$2.32M
Lower of DSCR / LTV
Shortfall: Requested loan exceeds max by $476K. Reduce loan to $2.32M or increase NOI to $304K.
Balloon Balance (yr 10)
$2.22M
Refinance or sell before maturity
Interest-Only Annual
$203K
$17K/month I/O
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