Oycora methodology
Debt Service Coverage Ratio (DSCR)
Annual NOI divided by annual debt service.
Methodology v1.0Effective 2026-08-23Last reviewed 2026-08-23
How this is calculated
DSCR = annual NOI / annual debt service
DSCR is unavailable for a cash purchase because annual debt service is zero.
Why it matters
DSCR describes how modeled property operating income compares with required loan payments.
What is included
- Annual NOI
- Annual principal and interest payments
What is excluded
- CapEx
- Income taxes
- Lender-specific underwriting adjustments not entered in Oycora
Assumptions and limitations
- Lenders may define qualifying income and expenses differently.