DSCR Calculator for Bridge Loans
Stress test your bridge loan by calculating DSCR under in-place and stabilized NOI scenarios. Evaluate whether the property can cover interest-only payments and qualify for permanent financing at exit.
Property NOI
Current NOI at time of bridge loan origination
$
Projected NOI after renovations and lease-up
$
Bridge Loan Terms
$
%
Exit Loan Assumptions
Permanent financing terms at stabilization
%
%
Stress Test Results
Enter bridge loan details to run stress test
This calculator shows one property.
Cai shows your entire portfolio.
BubbleGum BI tracks bridge loan performance, NOI ramp progress, and exit readiness across your entire value-add portfolio.
Schedule a DemoFrequently Asked Questions
What DSCR do bridge lenders require?
Bridge lenders typically require a minimum DSCR of 1.0x-1.10x on in-place NOI. Some lenders may fund deals below 1.0x DSCR if the sponsor has interest reserves or a strong track record.
How is DSCR calculated for an interest-only bridge loan?
For IO bridge loans, annual debt service is simply the loan amount multiplied by the annual interest rate. DSCR = NOI / (Loan Amount x Interest Rate).
What is a bridge loan stress test?
A stress test evaluates DSCR under both current and projected NOI. It helps assess whether the property can service debt during renovation and qualify for permanent financing at exit.
What happens if DSCR drops below 1.0x during a bridge loan?
If NOI cannot cover debt service, the shortfall must come from reserves or additional equity. Most bridge loans include interest reserve accounts for this purpose.