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

- Debt Service Coverage Ratio Calculator
- Long-Term Debt Ratio Calculator
- Mortgage to Income Ratio Calculator

## 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