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.
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Free DSCR calculator from Linton Global Solutions — 39 years of Florida CRE.