Cap Rate and DSCR

NOI / value and NOI / annual debt service with common-practice bands. CRE underwriting ratio cross-check.

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Formula and source

Cap rate = NOI / property_value (as a percent). DSCR = NOI / annual_debt_service. NOI is gross income minus operating expenses (excluding debt service, depreciation, income tax). Bands are common-practice; not agency-defined.

Standard CRE underwriting ratios. Universal in commercial-real-estate practice.

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