DSCR (Debt Service Coverage Ratio) is calculated by dividing a property's annual Net Operating Income (NOI) by its annual principal and interest debt service. For example, $120,000 in annual NOI divided by $100,000 in annual debt service equals a 1.20x DSCR. CR Equity AI evaluates DSCR against the applicable loan program guidelines. Use our DSCR calculator to estimate coverage for your investment property.
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