ऋण सेवा कवरेज कैलकुलेटर
संपत्ति का ऋण सेवा कवरेज अनुपात (DSCR) निकालें।
ऋण सेवा कवरेज अनुपात
1.33
Debt Service Coverage Ratio vs Net Operating Income (NOI)
सूत्र
## Debt Service Coverage Ratio DSCR measures the ability of a property to generate enough income to pay its debt obligations. ### Formula **DSCR = Net Operating Income / Annual Debt Service** ### Interpretation - DSCR > 1.25: Strong coverage, most lenders are comfortable - DSCR = 1.0: Break-even, NOI exactly covers debt payments - DSCR < 1.0: Negative cash flow, income does not cover debt - Most commercial lenders require 1.20 to 1.35 minimum
हल किया गया उदाहरण
A property generates $48,000 NOI with $36,000 in annual debt payments.
- 01DSCR = $48,000 / $36,000 = 1.33
- 02Annual surplus: $48,000 - $36,000 = $12,000
- 03Monthly surplus: $12,000 / 12 = $1,000
- 04A DSCR of 1.33 means the property earns 33% more than needed to cover debt
अक्सर पूछे जाने वाले प्रश्न
What DSCR do lenders require?
Most commercial lenders require a minimum DSCR of 1.20 to 1.35. Some DSCR loan programs for residential investment properties go as low as 1.0 or even 0.75 but at higher interest rates.
What is included in annual debt service?
Annual debt service includes all principal and interest payments on the property mortgage(s) for the year. It typically does not include operating expenses, which are already deducted to calculate NOI.
How can I improve my DSCR?
Increase NOI by raising rents, reducing vacancies, or cutting operating expenses. Alternatively, reduce debt service by making a larger down payment, extending the loan term, or securing a lower interest rate.