Free CRE Tool
DSCR Calculator
Calculate Debt Service Coverage Ratio and instantly see which loan programs your deal qualifies for.
DSCR Calculator
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Debt Service Coverage Ratio
1.25
1.25–1.35 — most agency multifamily
DSCR = NOI ÷ Annual Debt Service. Most agency lenders require minimum 1.25x; CMBS often accepts 1.20x; bridge lenders may accept 1.00x with stabilization plan.
What is DSCR?
DSCR (Debt Service Coverage Ratio) is the ratio of a property's Net Operating Income to its annual debt service. It measures whether a property generates enough income to cover its mortgage payments. A DSCR of 1.25 means the property generates 25% more income than required to service the debt.
Lender Minimum DSCR Requirements
- Agency Multifamily (Fannie/Freddie): 1.25
- CMBS Conduit: 1.20–1.25
- HUD 223(f): 1.11 (lowest in industry)
- SBA 504: 1.15–1.25
- Bridge Loans: 1.00–1.10 with stabilization plan
- Hotel CMBS: 1.40+
For details, see our complete DSCR guide.
Rate & Lending Disclosure
Interest rates, loan terms, leverage levels, and pricing references shown on this page are estimates only, based on current Florida commercial real estate market conditions and lender feedback as of the page's last update. They are not commitments to lend, are not loan approvals or pre-qualifications, and do not guarantee any specific loan terms or that financing will be available to any particular borrower or property. Actual interest rates, fees, leverage, amortization, prepayment terms, and other loan terms depend on borrower qualifications (credit, net worth, liquidity, experience), property characteristics, lender-specific underwriting requirements, third-party reports, and market conditions at the time of application. All loans are subject to lender credit approval, underwriting, and applicable federal, state, and local lending regulations. Linton Global Solutions is a Florida-licensed commercial real estate brokerage (FL Broker #BK703722); it is not a lender. Financing is sourced through third-party lender relationships, and final loan terms are determined by the originating lender. This page does not constitute consumer credit advertising under Federal Reserve Board Regulation Z (12 CFR Part 1026) and is intended for informational purposes only for commercial real estate professionals, investors, and owners considering commercial mortgage financing. Past loan terms or transactions do not guarantee future results.
Interest rates, loan terms, leverage levels, and pricing references shown on this page are estimates only, based on current Florida commercial real estate market conditions and lender feedback as of the page's last update. They are not commitments to lend, are not loan approvals or pre-qualifications, and do not guarantee any specific loan terms or that financing will be available to any particular borrower or property. Actual interest rates, fees, leverage, amortization, prepayment terms, and other loan terms depend on borrower qualifications (credit, net worth, liquidity, experience), property characteristics, lender-specific underwriting requirements, third-party reports, and market conditions at the time of application. All loans are subject to lender credit approval, underwriting, and applicable federal, state, and local lending regulations. Linton Global Solutions is a Florida-licensed commercial real estate brokerage (FL Broker #BK703722); it is not a lender. Financing is sourced through third-party lender relationships, and final loan terms are determined by the originating lender. This page does not constitute consumer credit advertising under Federal Reserve Board Regulation Z (12 CFR Part 1026) and is intended for informational purposes only for commercial real estate professionals, investors, and owners considering commercial mortgage financing. Past loan terms or transactions do not guarantee future results.