MCF CRE · CRE Tools

DSCR Calculator

Debt Service Coverage Ratio — the #1 metric lenders use to qualify CRE loans.

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File Identifiers

Borrower Name

Entity Name

Account Manager Name

Property Address

Loan #

These identifiers are saved on this device and auto-fill across every MCF Real Estate Capital form.

Inputs

Net Operating Income (NOI)annual

Loan Amount

Interest Rate

Loan Termyears

Amortization Scheduleyears

Lender DSCR Thresholds

Agency / GSE

Min 1.20xPref 1.25x+

Bank / Life Co

Min 1.20xPref 1.30x+

CMBS

Min 1.25xPref 1.35x+

Bridge / Debt Fund

Min 1.05xPref 1.15x+

Results

DSCR

1.32x

0.00x1.00x1.25x3.00x

Acceptable — meets most thresholds

Annual Debt Service

$379,241

Monthly Debt Service

$31,603

Annual Cash Flow

$120,759

after debt service

Break-Even NOI

$379,241

for DSCR = 1.00x

Stress Analysis

NOI at 90%1.19x

NOI at 80%1.05x

NOI at 70%0.92x

Max loan for 1.25x DSCR at current NOI: $5,273,694

All calculators are for informational and illustrative purposes only. Results do not constitute a commitment to lend. Actual loan terms depend on underwriting, market conditions, and lender approval. Consult a licensed financial or tax advisor before making investment or financing decisions.