# CRE Loan DSCR Requirements

> What DSCR is required for a commercial real estate loan? Learn CRE DSCR underwriting guidelines and how DSCR is calculated for commercial properties.

Canonical: https://riversidepark.capital/cre-loan-dscr-requirements
Markdown: https://riversidepark.capital/cre-loan-dscr-requirements.md

## Quick answer

CRE loans at Riverside Park Capital generally require a minimum DSCR of 1.15x. DSCR is calculated as net operating income divided by annual debt service.

## Loan parameters

- Loan size: $500,000 – $10,000,000
- Loan type: Commercial Real Estate

## Eligible assets

- Income-producing commercial properties

## Underwriting guidelines

- Min DSCR: 1.15x
- NOI ÷ Annual Debt Service
- Stabilized income preferred

## FAQs

**Q: How is DSCR calculated for a commercial property?**

Commercial DSCR = Net Operating Income (NOI) ÷ Annual Debt Service. NOI is gross revenue minus operating expenses, excluding debt service.

## Related

- [CRE Loan Requirements](https://riversidepark.capital/cre-loan-requirements)
- [CRE Loan LTV Guidelines](https://riversidepark.capital/cre-loan-ltv-guidelines)
- [CRE Loan Rates](https://riversidepark.capital/cre-loan-rates)

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Source: Riverside Park Capital — https://riversidepark.capital/cre-loan-dscr-requirements