DSCR & Stress Test Tool

Analyze debt service coverage ratio under stress scenarios

Property Income & Expenses

Enter current income, expenses, and debt service

Monthly Gross Income *

Monthly Operating Expenses *

Monthly Debt Service *

Income Decline

0.0%

0%15%30%

Expense Increase

0.0%

0%15%30%

Stressed DSCR

Base DSCR

Base Annual Cash Flow

$12,000

Stressed Annual Cash Flow

$12,000

Detailed Breakdown

Max Income Decline for DSCR 1.01000.00%

Max Income Decline for DSCR 1.200.00%

DSCR vs Income Decline

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DSCR & Stress Test Results
Generated: 12/16/2025, 3:57:40 PM

INPUTS:
  Monthly Income: 10000
  Monthly Expenses: 4000
  Monthly Debt Service: 5000
  Income Decline: 0.00
  Expense Increase: 0.00

RESULTS:
  Base D S C R: 1.20
  Stressed D S C R: 1.20
  Base Cash Flow: 12,000.00
  Stressed Cash Flow: 12,000.00
  Breakpoint1_0: 10.00
  Breakpoint1_20: 0.00

ASSUMPTIONS:
  • DSCR is calculated as annual NOI divided by annual debt service
  • Income decline and expense increase are applied independently
  • Breakpoints show maximum income decline before hitting target DSCR
  • Chart shows DSCR at various income decline levels (0-30%)

DISCLAIMER:
This calculation is for informational purposes only and does not constitute financial, legal, or tax advice.

marmotproperties.com

DSCR & Stress Test Tool

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Assumptions

Disclaimer

DSCR & Stress Test Tool

Export Results

Assumptions

Disclaimer