Calculating the Debt Service Coverage Ratio helps to estimate how much an investment property can rent for to help predict the property’s value. To calculate it, you need to divide the net operating income of the property you want to finance by the total debt service. Net operating income is the revenue minus certain operating expenses. Debt servicing is the cash that is required to cover repaying interest and principal for a debt during a set period of time. A larger DSCR means there is more income to service the debt, making it more likely you’ll qualify for the financing you want.