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Commercial Real Estate Loans · Insights

Commercial Real Estate Loans insights

Plain-English financing guidance on commercial real estate loans from our loan advisors and CPAs.

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DSCR Explained: The One Number That Sets Your Loan Amount
Commercial Real Estate Loans
Sep 3, 2026·3 min read

DSCR Explained: The One Number That Sets Your Loan Amount

The Debt Service Coverage Ratio is the single number most lenders use to decide how much they'll actually lend, not just whether they'll say yes. Here is how it's calculated, what's typical, and how to improve it before you apply.

SMAART Loans Team

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