Tools · Calculator
DSCR — Debt Service Coverage
Net Operating Income divided by annual debt service. The first number every credit committee looks at on a real-asset financing.
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Inputs
Result
DSCR
1.40x
Comfortable
Comfortable coverage. Most senior lenders will engage and there is room to absorb a revenue dip without breaching covenants.
Comfortable
≥ 1.40x
Tight
1.25 – 1.40x
Stressed
< 1.25x
Senior real-estate lenders typically size to 1.25x – 1.35x DSCR on stabilised income; infrastructure project finance often holds to 1.30x – 1.50x depending on sector. Read DSCR with LTV and debt yield, not on its own.