DSCR Calculator
Debt Service Coverage Ratio for loan qualification
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Understanding DSCR
Lenders typically require a DSCR of 1.25 or higher for commercial real estate loans. This indicates the property generates enough income to cover debt payments with a safety margin.
- DSCR < 1.0: Insufficient income to cover debt
- DSCR 1.0-1.25: Adequate but marginal
- DSCR > 1.25: Strong financial position