Annualize one source-labelled cash-flow amount and one source-labelled debt-service amount for the same record scope, then divide them without a lender threshold or approval conclusion.
A quick decision brief for this specific tool
One currency and property/loan record scope; a signed cash-flow amount with its controlling source basis and monthly or annual period; and a positive debt-service amount with its controlling source basis and period
A source-preserving annualized cash-flow record, annualized debt-service record, signed difference and entered cash-flow-to-debt-service ratio
Annualize each entered amount independently, subtract debt service from cash flow for the displayed difference, and divide cash flow by positive debt service; no NOI, payment component, threshold, stress, sizing or approval assumption is generated
Choose your path
Compare one source- and period-labelled signed cash-flow record with one positive source- and period-labelled debt-service record for the same property or loan scope without a threshold, grade or approval conclusion.
Keep underwritten net cash flow distinct from generic NOI or gross rent.
Name the property/loan scope, select underwritten NCF and enter the exact amount and period from the worksheet.
Gets transparent annualization and ratio without a fabricated lender minimum or approval signal.
Align a trailing cash-flow record with the exact required-payment record and period.
Select monitored trailing cash flow and required payments, then create a separate run when either source definition changes.
Preserves both bases, periods and the signed difference for reconciliation against controlling documents.
Keep negative cash flow visible without turning arithmetic into denial, default or refinance advice.
Enter the signed reviewed cash-flow record and a positive matching debt-service amount for the same scope.
Sees a negative ratio and difference while lender policy, stress testing and decisions remain outside the tool.
Outputs and checklists are planning aids. Review the linked current authorities and the records, terms, instructions, and requirements that apply to your exact situation before a consequential decision.
Tools you might need next
Calculate a basis-preserving arithmetic cap rate from one reviewed annual NOI and one documented price or value amount without market ratings or advice.
Annualize one source-labelled entered cash-flow record and compare it with a basis-labelled, itemized initial-cash record without inventing missing items or an investment verdict.
Calculate fixed-rate loan payments, total interest, amortization, and extra-principal savings. Enter principal, annual note rate, and term; fees are excluded.
Choose an underwritten net-cash-flow record, monitored trailing record or another documented definition. Signed amounts remain visible; the tool does not convert rent or generic NOI into lender cash flow.
Annualized entered cash flow = monthly amount × 12 or annual amount × 1Use the controlling required-payment or underwritten debt-service record. Principal, interest, mezzanine, preferred-equity and other required items are included only when that source says so.
Annualized entered debt service = monthly amount × 12 or annual amount × 1The denominator must be positive. The ratio and annual difference belong only to the selected records and do not establish a covenant, lender minimum, risk grade or approval outcome.
Entered ratio = annualized cash flow ÷ annualized debt serviceUpdated: August 2026
USD 72,000 annual underwritten NCF divided by USD 54,000 annual required payments equals 1.33, with an USD 18,000 entered-record difference. No threshold or approval label is attached.
When both records are monthly, each is multiplied by exactly 12 before division. Confirm they use the same property/loan scope and controlling definitions.
A negative entered cash-flow amount produces a negative ratio and difference. The page preserves the record without inferring default, denial, required equity or a refinance action.
Name the shared property/loan scope, select both source definitions and align their periods before comparing them.
Reconcile the controlling documents, lender policy, payment components and full underwriting file; this calculator reports entered-record arithmetic only.
Name the exact property, collateral pool or loan record, then select the controlling cash-flow and debt-service definitions, amounts and monthly or annual periods. The calculator annualizes each entered record, reports their difference and divides cash flow by debt service. It does not construct NOI or net cash flow, decide which payment components belong in debt service, apply a lender covenant or minimum, size a loan, stress a refinance, grade the result or predict approval.