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Calculadora DSCR Comercial
Pruebe cobertura del servicio de la deuda para edificios comerciales—no programas DSCR residenciales 1-4 unidades.
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DSCR inputs
Enter your deal
Market rent or lease rent
P&I from amortization
Annual tax / 12
Hazard premium / 12
Optional
Optional
Your DSCR
1.25+ — best pricing
Best rates available. Full LTV access, fastest approvals, widest lender pool.
- Monthly gross rent
- $2,800
- Monthly PITIA
- $2,050
- Monthly cash flow
- $750
- Annual cash flow
- $9,000
What this means
DSCR is your rent divided by PITIA (principal, interest, taxes, insurance, association dues). It's the single most important number a multifamily lender looks at. A 1.00 DSCR means your rent exactly covers the mortgage. Lenders price the loan off of it — higher DSCR, better rate, higher LTV.
Which lender tier qualifies?
| DSCR band | What you'll find | Typical LTV cap |
|---|---|---|
Sub-0.75 | Limited — consider a no-ratio or Griffin-style program | 65–70% |
0.75 – 0.99 | Competitive — 5+ lender options | 70–75% |
1.00 – 1.24 | Broad lender access, mainstream pricing | up to 80% |
1.25+ | Best rates, widest lender pool, fastest approvals | up to 80% (85% select) |
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Siguientes pasos seleccionados: profundizar en el tema, comparar alternativas o analizar los números.
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Cómo calcular DSCR comercial
DSCR = NOI ÷ Servicio anual de la deuda
Ejemplo: adquisición value-add de 32 unidades
NOI in-place $480,000. Servicio anual $380,000.
- DSCR in-place: 1.26x
- NOI estabilizado $620,000 → 1.63x