Example Result
Sample DataBased on a sample $385,000 property with $2,850/month rent, 20% down, 7% interest rate.
See Your Own Properties
With the Rental Property Calculator, you can run this calculation against your own rental properties using your real numbers.
40-Year Projection Chart
Subscribe to explore how debt service evolves over a 480-month holding period.
View PricingDebt Service Formula
Calculations That Use Debt Service
Platform Distribution
Unlock Platform Benchmarks
See the average, median, and where your property ranks among other investors on the platform.
Unlock Rental Property CalculatorWhy It Matters
Annual debt service is used in many key ratios including DSCR and breakeven ratio. It represents a fixed obligation that must be met regardless of occupancy, making it a critical factor in risk assessment.
Detailed Explanation
Annual Debt Service is simply the monthly mortgage payment multiplied by 12. This represents the total annual obligation to your lender.
Example
Based on a sample $385,000 property with $2,850/month rent, 20% down, 7% interest rate.
Related Calculations
Extra Principal Payment
UAdditional principal payment made each month beyond the required mortgage payment to accelerate loan
Remaining Mortgage Balance
UCurrent remaining principal balance on the mortgage based on the actual number of months since purch
Cumulative Principal Paydown
UTotal mortgage principal paid down over the actual ownership period.
Debt Service Coverage Ratio
2Net Operating Income divided by annual debt service — measures ability to cover mortgage.
Loan to Value Ratio
ULoan amount as a percentage of property value.
Debt Yield
2NOI as a percentage of total loan amount.
Run This Calculation on Your Property
Get instant results for all 207 calculations by entering your property details into the Rental Property Calculator.
View Pricing