Enter the net operating income ($) and the debt service ($) into the Calculator. The calculator will evaluate the Mortgage Service Ratio.

## Mortgage Service Ratio Formula

MSR = NOI / DS

Variables:

• MSR is the Mortgage Service Ratio ()
• NOI is the net operating income ($) • DS is the debt service ($)

To calculate Mortgage Service Ratio, divide the net operating income by the debt service.

## How to Calculate Mortgage Service Ratio?

The following steps outline how to calculate the Mortgage Service Ratio.

• First, determine the net operating income ($). • Next, determine the debt service ($).
• Next, gather the formula from above = MSR = NOI / DS.
• Finally, calculate the Mortgage Service Ratio.
• After inserting the variables and calculating the result, check your answer with the calculator above.

Example Problem :

Use the following variables as an example problem to test your knowledge.

net operating income ($) = 500 debt service ($) = 234