Description
DSCR Calculator for Excel: rental and business loans
Know before you apply. Enter your numbers once and see your DSCR, a clear pass / borderline / fail against your lender’s minimum, the most you can borrow and the rent or income you need to qualify.
What you get
- Business DSCR tab: revenue, operating expenses, add-backs and existing debt, with the new loan payment worked out for you (SBA and bank loans).
- Rental DSCR tab: full PITIA (principal, interest, tax, insurance, HOA), rent needed and maximum loan, plus a stress test after vacancy, management and repairs.
- Scenarios tab: a colour-coded grid of DSCR across interest rates and loan sizes.
- Your own lender minimum (1.00, 1.20, 1.25 or any number), and every label follows it.
- Colour-coded inputs and results, a Start Here guide and one-click navigation.
Details
- Format: .xlsx for Microsoft Excel 2016+ and Excel 365. Opens in Google Sheets.
- No macros, no subscription. Instant download after payment.
- Every formula is tested against independent calculations before release.
Planning tool only, not financial advice. Lenders apply their own rules.
Want to try it first? Use the free online DSCR calculator.
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