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AUSTIN RATE & HOLDING-PERIOD DESK

Follow the income.
Test the coverage.

Use NOI and debt service from the same annual period.

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YOUR DECISION MAP
  1. 01Set your assumptions
  2. 02See the trade-offs
  3. 03Keep, compare or share

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Investor & commercial

Debt-service coverage

Compare net operating income with debt service over the same annual period.

Starting values are illustrative scenarios, not local prices, rates, fees or eligibility rules. Enter the figures for your own situation.

YOUR DECISION, IN NUMBERS

METHOD 2026-10-24.3
Debt-service coverage ratio1.25×
NOI less debt service$12,000

NOI must already deduct operating expenses. This does not establish a lender’s required threshold or eligibility.

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YOUR GOAL FIRST / MITEY

Find a better fit.
For your next move.

Buying, refinancing or financing a business? Tell us what you want to achieve. Ask MITEY to help you understand the options, costs and next steps worth comparing.

01 · AI-assisted, source-linked research02 · Compare the whole cost, beyond the rate03 · Free tools, no credit check to enquire

We aim to help you seek competitive terms. Rates and options depend on the provider, product and your circumstances. A request is not a loan application, approval or guaranteed rate. Any provider introduction requires confirmed availability and your permission.

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About: Debt-service coverage · Austin

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A SMALL CHANGE / A DIFFERENT VIEW

Annual NOI $5,000 lower

Debt-service coverage ratio

Current scenario1.25×
Changed assumption1.15×

One assumption changes; everything else stays the same. This is a stress scenario, not a forecast.

READ THE RESULT

What the numbers are telling you.

  1. Net operating income should already deduct the property’s operating expenses. Gross rent is a different figure.
  2. A ratio of 1.00 means entered NOI equals entered debt service; it does not establish lender eligibility.
  3. Capital reserves, vacancy assumptions and a lender’s NOI definition deserve separate review.
A GOOD QUESTION

What does DSCR measure here?

Annual net operating income divided by annual debt service. It shows modeled property-income coverage, not a financing decision or a universal lender threshold.

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YOUR COMPARISON TABLE

Keep the possibilities
side by side.

Save up to eight scenarios on this device. Each retains its own tool and assumptions; outputs from different methods are labeled separately. Download a plan before moving to another browser or independent portal.

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OPEN METHODS / BETTER QUESTIONS

Understand what the number means.

Before acting on the result

NOI must already deduct operating expenses. This does not establish a lender’s required threshold or eligibility.

Use actual property documents, matching lender estimates and qualified advice where needed. No calculator, API or MCP tool here issues an approval or guarantees a rate.

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