DSCR Calculator
NOI ÷ annual debt service. Lenders want 1.20–1.25+; know yours before you apply.
The ZIP includes the tool, instructions, license and example project.DSCR + NOI + debt service
- Rent
- Vacancy
- Expenses
- Mortgage payment
| NOI / year | $15,120 |
| Annual debt service | $11,400 |
| DSCR | 1.33 |
- One HTML file — double-click to open in Chrome, Edge, Firefox or Safari. No install.
- Works fully offline. No account, no subscription, nothing sent anywhere.
- Bilingual — switch English / Spanish with one click.
- Save unlimited scenarios (one property each) and compare them side by side.
- Save / Open your work as a file you own — Documents, Dropbox, USB.
- Clean one-page Print / PDF report.
- Instructions in English and Spanish, license and example file included.
HOW DSCR WORKS
The debt-service coverage ratio is Net Operating Income divided by annual debt service (principal + interest). A DSCR of 1.0 means the property exactly covers its loan payments; 1.20 means it generates 20% more income than the debt requires — the cushion most DSCR lenders want before approving. The higher the ratio, the more margin you have if rent dips or expenses spike. It's the single number a DSCR loan underwriter looks at first.
CRIM Property Tax Estimator
Estimate the annual CRIM contribución from the assessed (1957) value, exemption and your municipality's rate — before you buy, bid or sign.
Max Bid Calculator
The most you can bid and still hit your minimum profit. Write it down before the auction — never bid a dollar past it.
Fix & Flip Calculator
Net profit and ROI from purchase, rehab, holding, closing, ARV and selling costs — the costs beginners forget, included.
BRRRR Calculator
How much cash you pull back out at the refinance, and whether the property still cash-flows after.