Sentences with phrase «of debt service coverage»

Insufficient Debt Service Coverage Loans: Most banks require a certain percentage of debt service coverage before they will approve a loan for a commercial property.

The borrower was unable to obtain bank financing due to credit circumstances and lack of debt service coverage on the units.

This loan type is offered to borrowers who have too small a percentage of debt service coverage to qualify for a conventional loan.

Not exact matches

Your debt - service coverage ratio, also known as the debt coverage ratio, is the ratio of cash a business has available for servicing its debt, which includes making payments on principal, interest and leases.

Conventional sources of finance rely on the borrower's history (how long it has been in business), its overall financial health including profitability, positive cash flow, and debt service coverage.

Examples of these risks, uncertainties and other factors include, but are not limited to the impact of: adverse general economic and related factors, such as fluctuating or increasing levels of unemployment, underemployment and the volatility of fuel prices, declines in the securities and real estate markets, and perceptions of these conditions that decrease the level of disposable income of consumers or consumer confidence; adverse events impacting the security of travel, such as terrorist acts, armed conflict and threats thereof, acts of piracy, and other international events; the risks and increased costs associated with operating internationally; our expansion into and investments in new markets; breaches in data security or other disturbances to our information technology and other networks; the spread of epidemics and viral outbreaks; adverse incidents involving cruise ships; changes in fuel prices and / or other cruise operating costs; any impairment of our tradenames or goodwill; our hedging strategies; our inability to obtain adequate insurance coverage; our substantial indebtedness, including the ability to raise additional capital to fund our operations, and to generate the necessary amount of cash to service our existing debt; restrictions in the agreements governing our indebtedness that limit our flexibility in operating our business; the significant portion of our assets pledged as collateral under our existing debt agreements and the ability of our creditors to accelerate the repayment of our indebtedness; volatility and disruptions in the global credit and financial markets, which may adversely affect our ability to borrow and could increase our counterparty credit risks, including those under our credit facilities, derivatives, contingent obligations, insurance contracts and new ship progress payment guarantees; fluctuations in foreign currency exchange rates; overcapacity in key markets or globally; our inability to recruit or retain qualified personnel or the loss of key personnel; future changes relating to how external distribution channels sell and market our cruises; our reliance on third parties to provide hotel management services to certain ships and certain other services; delays in our shipbuilding program and ship repairs, maintenance and refurbishments; future increases in the price of, or major changes or reduction in, commercial airline services; seasonal variations in passenger fare rates and occupancy levels at different times of the year; our ability to keep pace with developments in technology; amendments to our collective bargaining agreements for crew members and other employee relation issues; the continued availability of attractive port destinations; pending or threatened litigation, investigations and enforcement actions; changes involving the tax and environmental regulatory regimes in which we operate; and other factors set forth under «Risk Factors» in our most recently filed Annual Report on Form 10 - K and subsequent filings by the Company with the Securities and Exchange Commission.

«In addition they should seek a waiver of the IBM lease renewal confirmation and the debt service coverage ratio,» the meeting minutes state in describing ideas offered by Kaloyeros.

As of June 30, 2015, Fuller Road Management was out of compliance with its lenders on its debt service coverage ratio, which is a measure of SUNY Poly's ability to repay its debt.

Based only on the $ 24.3 billion liquid portion of the PSF at fiscal year - end 2016, coverage on the program's guaranteed maximum annual debt service is strong at 4.24 times, according to Nichols.

Look at the coverage ratios such as Interest coverage ratio and Debt Service Coverage Ratio which indicate the adequacy of proceeds from the operations of the firm and the claims of outsiders.

Many banks also require a debt service coverage ratio of at least 1.25.

Debt Service Coverage Ratio: Debt service coverage ratio (DSCR) is a measure of your business» ability to repay any debt obligations over the course of a year — it shows how much cash your business has relative to its dDebt Service Coverage Ratio: Debt service coverage ratio (DSCR) is a measure of your business» ability to repay any debt obligations over the course of a year — it shows how much cash your business has relative to itService Coverage Ratio: Debt service coverage ratio (DSCR) is a measure of your business» ability to repay any debt obligations over the course of a year — it shows how much cash your business has relative to its dDebt service coverage ratio (DSCR) is a measure of your business» ability to repay any debt obligations over the course of a year — it shows how much cash your business has relative to itservice coverage ratio (DSCR) is a measure of your business» ability to repay any debt obligations over the course of a year — it shows how much cash your business has relative to its ddebt obligations over the course of a year — it shows how much cash your business has relative to its debtdebt.

Knowing your debt service coverage ratio in advance of applying for new credit can put you in better standing for acquiring a lower interest rate and better loan terms.

We will take a look at some of the key points of an organization's liquidity ratio, starting with the debt service coverage ratio, or DSCR.

Similarly, if a business's debt service coverage ratio is 0.8, this means that the business can only cover 80 % of its yearly loan payments.

If a business's debt service coverage ratio is 1.5, this means a business's cash flow can cover 150 % of its yearly loan payments.

If the business wanted to take out an additional loan with total annual payments of $ 30,000, then its total debt service would increase to $ 100,000 ($ 30,000 + $ 70,000) and its debt service coverage ratio would decrease to 1.00 ($ 100,000 ÷ $ 100,000).

Lenders frequently want to see a business with a debt service coverage ratio of at least 1.2 to 1.5.

This type of coverage is geared to providing quick benefit payments so that beneficiaries can pay an insured's final expenses such as funeral services, burial costs, and other related debt obligations.

The benefits of life insurance coverage are plentiful and guarantees that if you pass away, the people that you appoint at beneficiaries will receive a death benefit in order to carry on your wishes such as cover outstanding medical bills and other debt, pay for burial and funeral services, create a college fund for your children and more.

Low interest rates, healthy debt service coverage ratios and a robust economy have enabled more than 75 percent of these mortgages to post stable or improving cash flows since they were underwritten, according to an assessment from Morningstar Credit Ratings.

To keep tabs on assets that may be facing a higher than usual risk of default, Morningstar Credit Ratings, a Nationally Recognized Statistical Ratings Organization (NRSRO), follows a special formula that takes into account the assets» debt service coverage ratios, loan - to - value ratios, occupancy levels, maturity dates, tenant rollover expectations within a 12 - month period and the overall leasing conditions in the assets» metropolitan area.

Two factors that a majority of respondents do not expect to see much movement on are loan - to - value (LTV) ratios and debt service coverage ratios (DSCR).

When a theater is part of the deal, lenders will discount its income by as much as 50 % when calculating debt - service coverage, according to McGovern.

When a theater is part of the deal, lenders will discount its income by as much as 50 % when calculating debt - service coverage, McGovern said.

«We haven't seen any market deterioration yet, in terms of LTV or debt service coverage,» Connorton says.

However, life companies have the toughest underwriting requirements, typically demanding debt service coverage ratios of more than 1.5 x and refusing to lend more than 60 percent of the value of a property, says Bakst.

For debt service coverage ratios, nearly two - fifths of respondents (38.5 percent) expect an increase, while 8.4 percent expect them to decrease.

A hard money loan can help borrowers who find properties with low occupancy rates or in need of rehabilitation that banks are unwilling to underwrite because the debt service coverage is too low.

Hard money lenders generally give more consideration to the value of a property / collateral than to debt - service - coverage ratios.

The debt service coverage ratio (DSCR) is the relationship of a property's annual net operating income (NOI) to its annual mortgage debt service (principal and interest payments).

Lastly, and this is not as big of a challenge but worth noting since it plays into almost every deal, both Fannie and Freddie typically stick to a 1.25 - 1.4 debt service coverage ratio (DSCR).

There has been a lot of talk of underwriting standards sinking, unfavorable debt service coverage ratio and loan - to - value creeping up, and more pro forma underwriting.

Although the subject properties have experienced improved net operating income, MEDCO is concerned about their debt - service coverage performance and engaged Scion to apply lessons learned from operational reviews at dozens of campuses, normative data from the Institute of Real Estate Management and its own experience in operating student housing facilities.

Any borrower who wants to get new financing better be prepared to accept loan - to - value ratios of no more than 65 percent and debt - service - coverage ratios of 1.25 percent.

Traditional lenders, including commercial banks and insurance companies, have become strict in their underwriting criteria, demanding recourse, high debt service coverage ratios and equity contributions of at least 35 percent.

Such factors include, but are not limited to: the Company's ability to meet debt service requirements, the availability and terms of financing, changes in the Company's credit rating, changes in market rates of interest and foreign exchange rates for foreign currencies, changes in value of investments in foreign entities, the ability to hedge interest rate risk, risks associated with the acquisition, development, expansion, leasing and management of properties, general risks related to retail real estate, the liquidity of real estate investments, environmental liabilities, international, national, regional and local economic climates, changes in market rental rates, trends in the retail industry, relationships with anchor tenants, the inability to collect rent due to the bankruptcy or insolvency of tenants or otherwise, risks relating to joint venture properties, costs of common area maintenance, competitive market forces, risks related to international activities, insurance costs and coverage, terrorist activities, changes in economic and market conditions and maintenance of our status as a real estate investment trust.