Underwriting
Debt service coverage ratio (DSCR)
Definition
DSCR compares the cash a business generates against the payments it must make, expressing whether income comfortably covers obligations.
A ratio above 1.0 means income exceeds required payments. Lenders generally want meaningful headroom above 1.0 rather than a bare pass, because a ratio close to 1.0 leaves nothing for a slow month.
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