Summary
DSCR, or debt-service coverage ratio, compares operating income with debt service. In Koreograph it is used as a finance resilience check.
How to apply it when assessing a deal
Use DSCR to test whether rent comfortably covers mortgage payments. A low DSCR suggests the deal is sensitive to rent reductions, rate rises or unexpected costs. A strong DSCR gives more confidence that the lending structure is not too stretched.