ऋण सेवा कवरेज कैलकुलेटर — 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
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.
- DSCR = $48,000 / $36,000 = 1.33
- Annual surplus: $48,000 - $36,000 = $12,000
- Monthly surplus: $12,000 / 12 = $1,000
- A DSCR of 1.33 means the property earns 33% more than needed to cover debt