EVA RATE CALCULATOR

DSCR & Rate CalculatorCalculate Your Current & Projected DSCR

💰 WHY DSCR matters:

Lenders use DSCR to determine if you can afford new debt. DSCR below 1.25 = loan rejection. Above 1.25 = better rates.

🔧 HOW we calculate:

Input your NOI, existing debt, and projected new debt terms. See exactly how new financing affects your DSCR ratio.

📊 WHAT you see:

Current DSCR, projected DSCR with new debt, adjusted NOI, total debt service, and total liabilities impact.

🚀 WOW advantage:

Know your exact DSCR before applying. Plan financing to maintain healthy ratios. Optimize debt structure for approval.

Calculate your current DSCR, then see how new debt will impact your Debt Service Coverage Ratio, revenue, NOI, and total liabilities.

Select the type of commercial financing

What will secure or justify this financing?

Traditional business loan with fixed payments • General Business

Loan Amount*

Rate Type*

Interest Rate (%)*

Term (Months)*

Down Payment

New Revenue from Debt (Monthly)

Taxes Saved From Debt (Monthly)

Calculate your current DSCR and see how new debt impacts your ratio. Lenders require 1.25+ for approval.

Net Operating Income (Monthly)

Monthly NOI before new debt. We’ll add any new revenue and tax savings you entered above.

Total Monthly Expenses

All operating costs excluding debt service.

Existing Monthly Debt Service

Monthly payments for current loans/leases.

New Debt Service (Monthly)

Current NOI

Existing Debt Service

Current DSCR

N/A

Status

Poor

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