Debt Service Coverage ની ગણતરી કેવી રીતે કરવી
Debt Service Coverage શું છે?
Calculates debt service coverage ratio (DSCR) showing ability to pay debt from income. Lender requirement metric.
સૂત્ર
DSCR = NOI ÷ Total Annual Debt Service
- NOI
- NOI value — Variable used in the calculation
પગલું દ્વારા પગલું માર્ગદર્શિકા
- 1DSCR = NOI ÷ Total Annual Debt Service
- 2Total Debt Service = principal + interest on all loans
- 3Typical lender requirement: 1.2-1.3× minimum
- 4Higher = safer for lender, more cushion for owner
Worked Examples
ઇનપુટ
NOI $50k, debt $30k
પરિણામ
DSCR 1.67
Common Mistakes to Avoid
- ✕Using gross income instead of NOI
- ✕Not including all debt in debt service
- ✕Assuming DSCR remains static
Frequently Asked Questions
What DSCR do lenders require?
Minimum typically 1.2× (20% cushion); 1.25-1.5× for quality deals; <1.0 means insufficient income.
What happens if DSCR < 1.0?
Property cannot cover debt payments from income; owner must subsidize; high default risk.
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