.dscr-calc-wrapper {
font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
max-width: 800px;
margin: 0 auto;
padding: 20px;
background: #f9f9f9;
border: 1px solid #e0e0e0;
border-radius: 8px;
color: #333;
}
.dscr-calc-wrapper h2 {
text-align: center;
color: #2c3e50;
margin-bottom: 25px;
}
.calc-grid {
display: grid;
grid-template-columns: 1fr 1fr;
gap: 20px;
}
@media (max-width: 600px) {
.calc-grid {
grid-template-columns: 1fr;
}
}
.input-group {
margin-bottom: 15px;
}
.input-group label {
display: block;
margin-bottom: 5px;
font-weight: 600;
font-size: 0.95rem;
}
.input-group input {
width: 100%;
padding: 10px;
border: 1px solid #ccc;
border-radius: 4px;
font-size: 1rem;
box-sizing: border-box;
}
.input-group .currency-symbol {
position: relative;
}
.input-group .currency-symbol:before {
content: "$";
position: absolute;
left: 10px;
top: 50%;
transform: translateY(-50%);
color: #666;
}
.input-group .currency-symbol input {
padding-left: 25px;
}
button.calc-btn {
background-color: #27ae60;
color: white;
border: none;
padding: 15px;
width: 100%;
font-size: 1.1rem;
font-weight: bold;
border-radius: 4px;
cursor: pointer;
transition: background-color 0.3s;
margin-top: 10px;
}
button.calc-btn:hover {
background-color: #219150;
}
#dscr-results {
margin-top: 25px;
background: #fff;
padding: 20px;
border-radius: 6px;
border-left: 5px solid #27ae60;
display: none;
box-shadow: 0 2px 5px rgba(0,0,0,0.05);
}
.result-row {
display: flex;
justify-content: space-between;
margin-bottom: 10px;
padding-bottom: 10px;
border-bottom: 1px solid #eee;
}
.result-row:last-child {
border-bottom: none;
margin-bottom: 0;
padding-bottom: 0;
}
.result-label {
color: #555;
}
.result-value {
font-weight: bold;
font-size: 1.1rem;
}
.main-dscr {
text-align: center;
margin-bottom: 20px;
background: #f0fdf4;
padding: 15px;
border-radius: 6px;
}
.dscr-big {
font-size: 2.5rem;
font-weight: 800;
color: #27ae60;
display: block;
}
.dscr-status {
font-weight: 600;
margin-top: 5px;
display: block;
}
.status-good { color: #27ae60; }
.status-warn { color: #f39c12; }
.status-bad { color: #c0392b; }
/* SEO Content Styles */
.seo-content {
margin-top: 40px;
padding-top: 20px;
border-top: 2px solid #eee;
line-height: 1.6;
}
.seo-content h3 {
color: #2c3e50;
margin-top: 20px;
}
.seo-content ul {
padding-left: 20px;
}
.seo-content li {
margin-bottom: 8px;
}
Do not include mortgage payments here.
Principal and Interest payment.
function calculateDSCR() {
// Get inputs
var rentInput = document.getElementById('monthlyRent').value;
var expensesInput = document.getElementById('monthlyExpenses').value;
var debtInput = document.getElementById('monthlyDebt').value;
// Clean inputs
var rent = parseFloat(rentInput) || 0;
var expenses = parseFloat(expensesInput) || 0;
var debt = parseFloat(debtInput) || 0;
// Validations
if (rent <= 0) {
alert("Please enter a valid rental income greater than 0.");
return;
}
if (debt = 1.25) {
statusElement.innerText = "Excellent – Strong Cash Flow";
statusElement.classList.add('status-good');
dscrElement.style.color = '#27ae60';
resultBox.style.borderLeft = '5px solid #27ae60';
} else if (dscr >= 1.0) {
statusElement.innerText = "Good – Positive Cash Flow";
statusElement.classList.add('status-warn');
dscrElement.style.color = '#f39c12';
resultBox.style.borderLeft = '5px solid #f39c12';
} else {
statusElement.innerText = "Poor – Negative Cash Flow";
statusElement.classList.add('status-bad');
dscrElement.style.color = '#c0392b';
resultBox.style.borderLeft = '5px solid #c0392b';
}
document.getElementById('noiValue').innerText = formatter.format(noi);
document.getElementById('debtValue').innerText = formatter.format(debt);
document.getElementById('cashFlowValue').innerText = formatter.format(cashFlow);
}
DSCR Calculator for Real Estate Investors
DSCR Ratio
0.00
Net Operating Income (NOI):
$0.00
Total Debt Service:
$0.00
Monthly Cash Flow:
$0.00
What is a DSCR Calculator?
The Debt Service Coverage Ratio (DSCR) Calculator is an essential tool for real estate investors and lenders. It measures a property's cash flow available to pay its current debt obligations. Unlike standard income verification loans, DSCR loans focus entirely on the property's income potential rather than the borrower's personal income.
How is DSCR Calculated?
The formula for calculating DSCR is relatively straightforward but powerful:
DSCR = Net Operating Income (NOI) / Total Debt Service
- Net Operating Income (NOI): This is your Gross Rental Income minus Operating Expenses (like taxes, insurance, HOA fees, and maintenance). It does not include the mortgage payment.
- Total Debt Service: This is the total annual or monthly mortgage payment, including principal and interest.
Interpreting Your DSCR Score
Lenders use this ratio to determine the risk level of a loan:
- DSCR > 1.25: Strong cash flow. The property generates significantly more income than the debt costs. Most lenders prefer this range.
- DSCR = 1.00: Break-even. The income exactly covers the debt and expenses, leaving no profit cushion.
- DSCR < 1.00: Negative cash flow. The property does not generate enough income to cover the mortgage, requiring the investor to pay out of pocket.
Example Calculation
Imagine you are purchasing a rental property with the following numbers:
- Rental Income: $2,500/month
- Expenses (Tax/Ins/HOA): $600/month
- Mortgage Payment (P&I): $1,500/month
First, calculate NOI: $2,500 – $600 = $1,900.
Then divide by the debt: $1,900 / $1,500 = 1.27 DSCR.
This property would likely qualify for a DSCR loan as it is cash flow positive.