DSCR Calculator accuracy and testing

Formula source

• DSCR = NOI / annual debt service. NOI = gross scheduled income + other income - vacancy loss - operating expenses.

Test cases

Known limitations

• This page documents the checked-in calculator logic and does not certify results for every real-world edge case.
• Use the result as a planning estimate unless the calculator page states a stricter purpose.

Assumptions

• Annual debt service is user-entered and should come from the actual loan scenario being tested.
• NOI excludes debt service, income taxes, depreciation, and owner-specific financing costs.
• All rents, expenses, rates, debt service, costs, appreciation, reserves, and investment amounts are entered by the user.
• Calculations run locally in your browser and are not stored by Calwarden.
• Results are estimates for planning and comparison only, not financial, tax, legal, lending, appraisal, or investment advice.

Unit handling

• Gross Scheduled Income accepts values in $/yr.
• Other Income accepts values in $/yr.
• Vacancy Loss accepts values in $/yr.
• Operating Expenses accepts values in $/yr.
• Annual Debt Service accepts values in $/yr.
• Net Operating Income is displayed as currency.
• Debt Service Cushion is displayed as currency.

Rounding rules

• Number displays use up to 2 decimal places in the calculator UI.
• Currency outputs are displayed with standard US dollar formatting.
• Input precision follows configured step values where provided.

Version history

Change log