Multi-Family DSCR Calculator

Calculate Debt Service Coverage Ratio for commercial properties with 5+ units. Account for vacancy rates, operating expenses, and debt service to determine your investment viability.

Property Income
$
%
Expenses & Debt
$
$
Multi-Family DSCR
1.30
Excellent - Commercial Financing Available
Effective Gross Income
$9,500
Net Operating Income
$6,500
Commercial DSCR Thresholds
>1.30: Excellent
1.20-1.30: Good
1.10-1.20: Acceptable
<1.10: Risky
Test Case: $10K gross, 5% vacancy, $3K expenses, $5K debt = 1.30 DSCR

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