Crate dscr_ratio 

dscr-ratio

Debt service coverage ratio (DSCR) — the number that decides most rental-property loans. DSCR = net operating income ÷ annual debt service. The same math behind the DSCRRadar DSCRradar on crate doc dscr loan.

use dscr_ratio::{dscr, verdict};

let ratio = dscr(24_000.0, 20_000.0); // NOI / annual debt service
assert!((ratio - 1.2).abs() < 1e-9);
assert_eq!(verdict(ratio), "tight"); // 1.20–1.25 is tight for most DSCR lenders

Functions

annual_debt_service

Annual debt service from a monthly payment.

dscr

DSCR = noi / annual_debt_service. Returns 0.0 if debt service is non-positive.

monthly_payment

Monthly payment on a fully-amortizing fixed-rate loan (standard amortization formula).

verdict

Plain-language verdict for a DSCR value, matching common DSCR lender thresholds.