{"uid":"cap_4_1eptZOFhmzyFVqmIzeB","slug":"debt-service-coverage-ratio-target-gap-calculator-64a0044c","name":"Debt Service Coverage Ratio – Target Gap Calculator","description":"Debt service coverage - Target gap calculation: Measure one calculated value against a supplied numeric target; no recommendation or target setting. Metric: Debt service coverage. Supplied figures only; returns JSON with formula, units and limitations. One of 50 calculators with 20 analysis modes. No live feed, financial advice or trade execution. 0.01 USDC includes one bounded target gap calculation report.","url":"https://market.datapackvibe.com/x402/assistant-finance-debt-service-coverage-target-gap?utm_source=zero.xyz","method":"POST","headers":{},"bodySchema":{"type":"object","properties":{"target":{"type":"number","default":100,"maximum":1000000000000000000,"minimum":-1000000000000000000},"values":{"type":"object","default":{"interest_due":500,"principal_due":2000,"cash_available_for_debt_service":6000},"required":["cash_available_for_debt_service","principal_due","interest_due"],"properties":{"interest_due":{"type":"number","default":500,"maximum":1000000000000,"minimum":0,"description":"Amount in a consistent supplied currency and reporting period"},"principal_due":{"type":"number","default":2000,"maximum":1000000000000,"minimum":0,"description":"Amount in a consistent supplied currency and reporting period"},"cash_available_for_debt_service":{"type":"number","default":6000,"maximum":1000000000000,"minimum":-1000000000000,"description":"Amount in a consistent supplied currency and reporting period"}},"additionalProperties":false}}},"responseSchema":null,"example":null,"exampleRequest":null,"tags":["x402"],"displayCostAmount":"0.01","displayCostAsset":"USDC","priceDynamic":false,"priceHint":null,"priceStatus":"priced","priceSource":"probe","requiresHandshake":false,"reviewCount":0,"rating":{"score":"0.00","successRate":"0.00","reviews":0,"stars":null,"state":"unrated"},"availabilityStatus":"unknown","priceObserved":null,"sessionDeposit":null,"pricing":{"kind":"static","summary":"$0.01/call","primary":{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.01","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.01","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm_3efoNbLju0T0DlWNue5gU","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"0.01","costPer":"request","priority":0,"asset":"0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913","unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"Calculates the debt service coverage ratio (DSCR) from supplied cash and debt figures, then measures the result against a user-supplied numeric target to quantify the gap.","exampleAgentPrompt":"I have $6,000 in cash available for debt service, $2,000 in principal due, and $500 in interest due this period — can you calculate my debt service coverage ratio and tell me how far I am from a target of 1.5?","exampleUseCases":[{"title":"Loan underwriting DSCR threshold check","prompt":"For a commercial property with $120,000 in annual cash available for debt service, $60,000 in principal due, and $20,000 in interest due, calculate the DSCR and show me the gap to a lender-required minimum of 1.25."},{"title":"Portfolio monitoring against covenant","prompt":"My debt covenant requires a DSCR of at least 1.2. My current period has $850,000 cash available for debt service, $400,000 principal due, and $75,000 interest due — how far am I from that 1.2 covenant target?"},{"title":"Real estate investment stress test","prompt":"I'm stress-testing a rental property: $45,000 annual DSCR cash flow, $28,000 principal, $7,000 interest. What's my DSCR and how big is the gap to my target of 1.35?"}],"resultDescription":"Returns a JSON object containing the computed debt service coverage ratio derived from the supplied figures, the numeric gap between that ratio and the user-supplied target, the formula used, the units, and a limitations note. No financial advice, recommendations, or live data are included.","failureModes":["Missing required values (cash_available_for_debt_service, principal_due, or interest_due) returns a validation error","Total debt service of zero (principal_due + interest_due = 0) causes a division-by-zero error","Values outside allowed min/max bounds return schema validation errors","Malformed JSON body returns a 400 error","Payment failure or insufficient USDC balance returns a 402 error"],"whenToPreferThis":"Use this endpoint when you need a single, bounded computation of DSCR measured against a specific numeric target — ideal for loan underwriting checks, covenant compliance verification, or investment stress testing where you have all figures on hand and need a structured JSON result with formula and units. Prefer this over a general financial advisory service when you want a deterministic, auditable calculation with no live data dependency.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-10-14T00:37:42.004Z","isFirstParty":false,"canonicalSlug":"debt-service-coverage-ratio-target-gap-calculator-64a0044c"}