{"uid":"cap_EosBjRlOdMGyRcSm_9193","slug":"debt-service-coverage-single-calculation-8e48347a","name":"Debt Service Coverage - Single Calculation","description":"Debt service coverage - Single calculation: Calculate one supplied record with the formula and units. 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 single calculation report.","url":"https://market.datapackvibe.com/x402/assistant-finance-debt-service-coverage-calculate?utm_source=zero.xyz","method":"POST","headers":{},"bodySchema":{"type":"object","properties":{"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_Gzu5lgqm_dOABceQThyu8","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) for a single supplied record using cash available for debt service divided by total debt obligations.","exampleAgentPrompt":"Calculate the debt service coverage ratio for me — I have $6,000 in cash available for debt service, with $2,000 in principal due and $500 in interest due this period.","exampleUseCases":[{"title":"Commercial real estate loan underwriting","prompt":"I'm evaluating a commercial property — the net operating income available for debt service is $85,000, the annual principal due is $50,000, and annual interest is $18,000. Can you calculate the debt service coverage ratio so I know if the deal clears the lender's 1.25x threshold?"},{"title":"Small business cash flow health check","prompt":"My business has $42,500 in cash available for debt service this quarter, with $28,000 in principal repayments and $4,200 in interest due. What's my debt service coverage ratio?"},{"title":"Personal investment property analysis","prompt":"For my rental property, I'm bringing in $3,200 per month available for debt obligations, with a monthly mortgage principal of $1,800 and interest of $600. Calculate the DSCR for me so I can see how covered I am."}],"resultDescription":"Returns a JSON object containing the calculated debt service coverage ratio (DSCR), the formula used (cash available for debt service divided by the sum of principal and interest due), the units, and known limitations of the calculation.","failureModes":["Missing required fields (cash_available_for_debt_service, principal_due, or interest_due) returns a validation error","Division by zero if both principal_due and interest_due are 0","Values exceeding the maximum limit of 1,000,000,000,000 are rejected","Negative principal or interest values are rejected (minimum 0)","Non-numeric input types cause schema validation failure"],"whenToPreferThis":"Choose this endpoint when you need a single, immediate DSCR calculation with full formula transparency — including the formula used and its limitations — rather than batch or scenario-grid computations. Ideal for one-off underwriting checks, quick financial health assessments, or when an agent needs to verify a specific record's debt coverage without running multiple scenarios.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-10-15T18:48:31.745Z","isFirstParty":false,"canonicalSlug":"debt-service-coverage-single-calculation-8e48347a"}