DSCR calculator
Coverage from NOI and debt service — or reverse-solve the maximum loan a target DSCR supports.
DSCR calculator
Forward: NOI ÷ debt service. Reverse: the max loan a target DSCR supports.
Debt service coverage ratio
1.30×
Above the 1.25× floor most lenders require$1,250,000 ÷ $960,000
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Why the reverse mode matters
Lenders don't ask "what's your DSCR" — they set a floor and size the loan to it. Solving max debt service from a target DSCR, then converting through the loan constant, tells you your real proceeds before a term sheet ever arrives. The full mechanics are in our DSCR guide and DSCR explainer; CRE Loan Underwriting covers what else lenders check.
The calculator answers one number. Moraine underwrites the whole deal.
Drop in an OM, rent roll, or T-12 and get a source-linked DCF — NOI from the actual documents, not the broker's pro forma.