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.