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Debt Service Coverage & Leverage Analysis

Finance Finance Ops Data Analyst Real Estate

The prompt

Analyze DSCR and leverage to ensure borrowing capacity.

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Steps: 1) Calculate annual debt service 2) Calculate DSCR 3) Compare to lender minimum 4) Calculate LTV 5) Model stress scenarios 6) Assess refinance risk 7) Recommend debt strategy

Output: DSCR calculation summary, leverage analysis, stressed DSCR scenarios, approval probability, recommendation.

Why this works

DSCR analysis ensures debt service sustainability. Lender alignment prevents financing surprises.

Risks & review

Tight DSCR leaves no margin for error. Conservative leverage protects against rate shocks.