Portfolio DSCR
Total NOI divided by total annual debt service. A strong property can offset a weaker one — but only while it stays tenanted. If the strong property goes vacant, that offset disappears. Portfolio-level DSCR reveals this dependency.
Free calculator
Portugal portfolio DSCR calculator.
Enter up to three investment properties with rent, costs, and monthly debt. The calculator aggregates NOI and debt service, shows portfolio-level DSCR, stress-tests concentration risk, and tells you how much new debt the portfolio can absorb.
How to read the result
A strong single property can hide a fragile portfolio.
Stress test
Simulates losing 30% of NOI from the weakest property. If portfolio DSCR falls below 1.0x under stress, the portfolio has concentration risk: one vacancy in the wrong place puts the whole portfolio under pressure.
New debt headroom
The maximum additional monthly payment you can take on without pushing portfolio DSCR below the target. Use this figure to evaluate the next acquisition: if the new loan payment exceeds this headroom, portfolio DSCR drops below target.
Formulas used
How aggregated DSCR is calculated.
NOI per property
Annual rentMonthly rent × 12
VacancyAnnual rent × vacancy (%)
NOIAnnual rent − vacancy − operating costs
Total NOISum of NOI across all properties
Total debtSum of monthly payments × 12
Portfolio DSCRTotal NOI / total annual debt
Portugal DSCR benchmarks, 2026
Most Portuguese banks use a minimum DSCR of 1.10x–1.20x when assessing borrowing capacity. For conservative portfolio management, targeting 1.25x or above gives cushion for vacancy, rate changes, and unexpected costs.
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