Choose your use case — real estate, business, or direct NOI entry

Calculation Mode

Income

Gross Rental Income (Annual $)

Vacancy Rate (%)

Other Income (laundry, parking, etc.) $

Operating Expenses (Annual)

Property Taxes ($)

Insurance ($)

Property Management ($)

Maintenance & Repairs ($)

Utilities ($)

Other Expenses ($)

Debt Service

Loan Amount ($)

Interest Rate (% annual)

Amortization Period (years)

Additional Annual Debt Service ($)

Other loans, credit lines, etc.

Lender Type (sets minimum DSCR threshold)

Custom DSCR Threshold

Currency

Quick Scenarios

From gross income down to cash flow after debt service

Coverage ratio, lender thresholds, and max loan sizing

DSCR under income decline, rate increases, and vacancy scenarios

Full derivation with all formulas