Debt-Service Coverage Ratio API

Compute DSCR = net operating income / total debt service, the standard CRE/commercial underwriting ratio, with a strong/acceptable/marginal/deficient rating and a meets-standard flag against the 1.25x covenant. Answers 'debt service coverage ratio','does income cover the loan payments','is DSCR above 1.25'.

Price$0.016per request

MethodPOST

Route/v1/score/credit-dscr

StatusLive

MIME typeapplication/json

Rate limit120/minute

CacheNo cache

scorecreditdscrdebt-servicecoverageunderwritingcrelending

API URLhttps://x402.hexl.dev/v1/score/credit-dscr

Integration docs

Example request

{
  "netOperatingIncome": 150000,
  "totalDebtService": 100000
}

Example response

{
  "model": "DSCR = NOI / debt service",
  "dscr": 1.5,
  "rating": "strong",
  "netOperatingIncome": 150000,
  "totalDebtService": 100000,
  "interpretation": "Income covers debt service 1.5x.",
  "meetsStandard": true
}

Input schema

{
  "type": "object",
  "required": [
    "netOperatingIncome",
    "totalDebtService"
  ],
  "properties": {
    "netOperatingIncome": {
      "type": "number",
      "description": "Net operating income (NOI)",
      "examples": [
        150000
      ]
    },
    "totalDebtService": {
      "type": "number",
      "description": "Total principal + interest due",
      "examples": [
        100000
      ]
    }
  }
}

Output schema

{
  "type": "object",
  "additionalProperties": true
}