Use this real-estate calculation for a transparent preliminary valuation, financing, income, expense, area, tax, return, or market scenario with explicit dates and assumptions.

NOI

Annual net operating income in US dollars.

Debt service

Annual debt service (principal and interest) in US dollars.

Compute the debt service coverage ratio from annual net operating income and annual debt service. The tool evaluates the supplied inputs together and returns the named outputs below; it does not infer omitted operating conditions or change the units shown.^[1]

DSCR

Debt service coverage ratio.

• Real properties differ in location, condition, leases, zoning, title, taxes, financing, vacancy, capital needs, environmental risk, and market liquidity. Forecasts and ratios are not appraisals, loan offers, tax opinions, or investment advice.
• Use finite inputs in the displayed units and preserve more precision than the final presentation requires. Independently verify safety-critical, financial, compliance, or production decisions.

Reconcile assumptions to leases, operating statements, surveys, tax records, lender terms, comparable evidence, and physical inspection; test downside scenarios and obtain qualified local advice.

• Breakeven Ratio

  Break-even ratio for a property: operating expenses plus debt service divided by effective gross income.

• Debt Yield

  Property debt yield: annual net operating income divided by loan principal.

• Net Operating Income Calculator

  Compute rental property net operating income from gross scheduled income, vacancy loss, other income and operating expenses (excluding debt service).