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Basic Mortgage Calculator To estimate a monthly mortgage or loan repayment, enter loan amount and terms below.
(1) Amount to be borrowed
(2) Interest rate	%
(3) Amortization period

Your monthly payment will be approx ($)

Calculate Debt Service Ratio (DSCR) Debt service ratio is the measurement of an income producing property's ability to pay its own mortgage. Enter total income and expenses below to calculate DSCR.
(1) Total annual income from all sources
(2) Vacancy/collection loss %	(5% is the norm)
(3) Total annual operating cost/expenses

Net Operating Income (NOI) ($)
Annual Mortgage Payments due
Debt Service Ratio (DSCR)*
*Please note that your actual DSCR ratio may vary for a variety of reasons. Some underwriters for example will not allow non-contract rent such as month to month to be counted as property income whereas other do. Similarly, properties in areas with high vacancies will have vacancy percentages adjusted up and therefore DSCR lowered.

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