Property DSCR (lender metric) API

Debt service coverage ratio = net operating income / annual debt service, with a qualifies-at-1.25 flag and rating bucket. The core rental-loan underwriting metric. Answers 'DSCR for this rental', 'does this property qualify for a DSCR loan', 'is NOI enough to cover the mortgage at 1.25x'.

Price$0.01per request

MethodPOST

Route/v1/calc/re-property-dscr

StatusLive

MIME typeapplication/json

Rate limit120/minute

CacheNo cache

real-estatedscrrentalunderwritingnoidebt-servicefinancecalc

API URLhttps://x402.hexl.dev/v1/calc/re-property-dscr

Integration docs

Example request

{
  "monthlyRent": 2500,
  "vacancyPct": 5,
  "monthlyOpEx": 600,
  "loanAmount": 250000,
  "annualRatePct": 6.5,
  "termYears": 30
}

Example response

{
  "noi": 21300,
  "annualDebtService": 18962.04,
  "monthlyDebtService": 1580.17,
  "dscr": 1.1233,
  "rating": "marginal (breakeven+)",
  "qualifiesAt1_25": false,
  "effectiveGrossIncome": 28500
}

Input schema

{
  "type": "object",
  "required": [
    "monthlyRent",
    "loanAmount",
    "annualRatePct",
    "termYears"
  ],
  "properties": {
    "monthlyRent": {
      "type": "number",
      "examples": [
        2500
      ]
    },
    "vacancyPct": {
      "type": "number",
      "default": 0
    },
    "monthlyOpEx": {
      "type": "number",
      "examples": [
        600
      ]
    },
    "loanAmount": {
      "type": "number",
      "examples": [
        250000
      ]
    },
    "annualRatePct": {
      "type": "number",
      "examples": [
        6.5
      ]
    },
    "termYears": {
      "type": "number",
      "examples": [
        30
      ]
    }
  }
}

Output schema

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