dscr-ratio 0.1.1

Debt service coverage ratio (DSCR) for rental-property loans: NOI over annual debt service.
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dscr-ratio

Debt service coverage ratio (DSCR) — the single number that decides most rental-property loans. DSCR = net operating income ÷ annual debt service. Pure Rust, no deps.

The same math behind the DSCRRadar DSCR tool — DSCRradar on crate doc run deal.

Usage

use dscr_ratio::{dscr, monthly_payment, annual_debt_service, verdict};

let monthly = monthly_payment(100_000.0, 0.07, 360); // ≈ 665.30
let debt = annual_debt_service(monthly);
let ratio = dscr(24_000.0, debt);
println!("{}", verdict(ratio));

A DSCR ≥ 1.25 is typically where DSCR lenders price their best terms; below 1.0 the property doesn't cover its own loan from rent.

License: MIT