Debt Service Coverage Ratio (DSCR) implementation

Binding contract

This record describes what an executable surface must bind and validate. It does not claim that a public calculator, package, or production route is deployed.

Record owner

Guth Instruments

Lifecycle

verified-clean

Evidence ID

t5-083

Effect

Computation or source lookup only

Input and validation requirements

A zero annual-debt-payment input makes the ratio undefined and must be rejected or surfaced as an explicit error. The pass/fail note also has an unstated threshold convention, and signed versus magnitude debt-service inputs can produce different DSCR values.

Required corrections

No binding erratum is attached to this unique-name record. Implementers must still preserve the declared units, domain, and failure behavior.

Inspectable interface fixture

The sample below is evidence for interface and validation tests, not a production implementation.

{
  "inputs": {
    "net_operating_income_annual": 120000,
    "annual_debt_service": 80000
  },
  "expected_outputs": {
    "dscr": 1.5,
    "threshold_note": "No pass/fail determination; lender threshold is unspecified."
  },
  "working": "DSCR = NOI / Debt Service = 120000 / 80000 = 1.5."
}

Other records

Sources and evidence

These pointers bind the page to evidence. They do not grant authority or collapse verification into deployment.

• VERIFIED_LEDGER.json
• evidence-tranche5/tranche5-results.json