DoorWise Property Management
Net Operating Income (NOI) & Debt Service Coverage Ratio (DSCR) Calculator
Acronym Glossary (tap to expand)
NOI — Net Operating Income
DSCR — Debt Service Coverage Ratio
GSR — Gross Scheduled Rent
EGI — Effective Gross Income
OpEx — Operating Expenses
P&I — Principal & Interest
T-12 — Trailing 12 Months
RUBS — Ratio Utility Billing System (utility bill-backs)
1. Property
2. Income
3. Expenses
4. Loan & Summary

1) Property & Contact

Just the basics to label your PDF.

Tip: You can fill only the top row and come back later.

2) Income

Enter Units and Average Rent. We’ll do the rest.

Gross Scheduled Rent (GSR) — Monthly$0
Vacancy Loss (0%)-$0
Other Income — Monthly$0
Effective Gross Income (EGI) — Annual$0

3) Operating Expenses

Start with a rule-of-thumb. You can itemize if you want.

Simple mode (we’ll add the management fee separately)
Typical multifamily ranges 35%–50%.
ADVANCED Itemize expenses (annual amounts) — tap to expand

If any itemized totals are entered, they override Simple mode (management fee still added).

Management Fee — Annual$0.00
Operating Expenses (OpEx) — Annual$0.00
Net Operating Income (NOI) — Annual$0

4) Loan & Investor Report

Enter loan basics to check the Debt Service Coverage Ratio (DSCR). Then generate a polished PDF report.

Monthly P&I (Principal & Interest)$0.00
Annual Debt Service$0.00
Debt Service Coverage Ratio (DSCR)
Maximum Loan at Target DSCR$0
Investor Report Summary
Prepared byDoorWise Property Management
For
Email
Date

Property
Effective Gross Income (EGI) — Annual$0
Net Operating Income (NOI) — Annual$0
Debt Service Coverage Ratio (DSCR)
Loan Amount

Disclaimer. Estimates only; not financial, legal, or tax advice, and not a loan commitment. Inputs are user-supplied and may not reflect underwriter adjustments. DoorWise Property Management makes no warranties and isn’t liable for actions taken based on these estimates. Verify figures with third-party documents (rent roll, T-12, tax bills, insurance) and consult qualified professionals.