Free calculator
Estimate debt-service coverage clearly.
Use annual property income, operating expenses, and debt service for a simple DSCR estimate. Then organize the broader guarantor and property information lenders may request.
Estimate property DSCR
This simplified calculator uses (income − operating expenses) ÷ annual debt service. Lenders may define income, expenses, reserves, and acceptable coverage differently.
DSCR is not the whole borrower story
Property coverage can be one part of underwriting. A lender may also examine guarantor liquidity, personal obligations, global cash flow, property condition, leases, tax returns, ownership, and loan structure. LendForma organizes the personal and schedule-level facts without estimating approval odds.