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The debt service coverage ratio (DSCR) is used by bank loan officers to determine income property loans. Most lenders require a minimum DSCR of 1.2. A DSCR of 1.0 is called break even. A DSCR below 1.0 signals a net operating loss based on the debt structure. A DSCR over one means that the property is generating enough income to pay the debt obligations.
Debt-to-income ratio (DTI) determines the percentage of a consumer’s monthly gross income that goes towards paying debts.