Credit
DSCR & FOIR Calculator
Work out FOIR for an individual borrower and DSCR for a business borrower against common lender comfort thresholds.
FOIR inputs (individual borrower)
DSCR inputs (business borrower)
FOIR
35%
Within a typically comfortable range (≤ 50%)
DSCR
1.5x
Comfortably above a typical 1.25x minimum
Both FOIR and DSCR comfort thresholds vary by lender and loan type — these are common reference points, not a fixed sanctioning rule.
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