Operational Data
Gross revenues minus total operational expenditures
Total annual principal and interest payments combined
DEBT SERVICE COVERAGE RATIO
Cash Cushion Margin
Lending Viability
DSCR Formula: Net Operating Income (NOI) ÷ Total Debt Service.
Interpretation: A DSCR of **1.0x** means a company makes exactly enough operational income to clear its debts. Commercial lenders look for thresholds above **1.25x** to ensure an acceptable buffer against income volatility.
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Enter net operating earnings and debt service requirements to determine loan underwriting health margins.
