1. Acceptance of Terms
By visiting, accessing, or utilizing DSCR Analytics (accessible at netdscr.com, including all calculator interfaces, benchmark charts, and related content), you accept and agree to comply with these Terms of Service. If you disagree with any portion of these Terms, you must cease using the website immediately.
2. Informational & Educational Purpose Only
DSCR Analytics provides interactive mathematical tools designed to assist real estate investors, property managers, commercial brokers, and finance students in understanding Debt Service Coverage Ratios and debt constants.
You explicitly understand and acknowledge that:
- No Lending Pre-Approval or Commitment: The outputs generated by this tool do not represent a loan commitment, pre-approval, rate-lock guarantee, or credit offer from any commercial bank, non-QM lender, SBA intermediary, or government agency.
- Underwriting Variation: Real-world commercial mortgage underwriting depends on rigorous property-specific criteria not fully modeled in automated calculators—such as credit scores, tenant lease rollover schedules, vacancy adjustments, replacement reserves, structural property condition, environmental reports, and personal guarantor balance sheets.
- Independent Professional Advice: You are solely responsible for conducting independent due diligence and consulting licensed real estate attorneys, CPAs, and certified appraisers before committing financial capital to property acquisitions or loan contracts.
3. Permitted Use & Code of Conduct
You are granted a non-exclusive, revocable, royalty-free license to use DSCR Analytics for legitimate personal, educational, or commercial analytical purposes. In using the site, you agree not to:
- Deploy automated scripts, bots, spiders, or scrapers in a manner that creates excessive network burden or compromises site availability.
- Attempt to decompile, inject malicious code, exploit vulnerabilities, or disrupt the operation of the web server or client-side application.
- Publish misleading statements claiming that DSCR Analytics certified or endorsed a specific commercial real estate financing package or valuation.
- Use the calculator in violation of applicable state, federal, or international banking and real estate laws.
4. Intellectual Property Rights
All source code, stylesheets, graphic tokens, user interface layouts, SVG gauge visualizations, mathematical algorithms, and textual documentation on DSCR Analytics are the proprietary intellectual property of DSCR Analytics and protected by copyright and intellectual property legislation.
5. Disclaimer of Warranties ("As Is")
DSCR ANALYTICS IS PROVIDED STRICTLY ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED. WE EXCLUDE ALL IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.
WE DO NOT WARRANT THAT THE CALCULATION RESULTS WILL BE ACCURATE, COMPLETE, RELIABLE, OR FREE FROM CODING OMISSIONS OR COMPUTATIONAL ERRORS. NO ADVICE OR INFORMATION OBTAINED FROM THIS WEBSITE SHALL CREATE ANY WARRANTY NOT EXPRESSLY STATED HEREIN.
6. Limitation of Liability
UNDER NO CIRCUMSTANCES SHALL THE CREATORS, DEVELOPERS, OPERATORS, OR AFFILIATES OF DSCR ANALYTICS BE HELD LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES—INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, LOSS OF REAL ESTATE EQUITY, FAILED LOAN TRANSACTIONS, LEGAL DISPUTES, OR BUSINESS DISRUPTION—ARISING OUT OF OR CONNECTED WITH YOUR USE OF, OR INABILITY TO USE, THIS TOOL OR RELIANCE UPON ANY OUTPUT PRODUCED BY THIS SITE.
7. Third-Party Advertisements & External Links
DSCR Analytics features third-party advertisements delivered by Google AdSense and may feature links to external websites (including companion tools such as runwaysnap.com). We do not oversee, endorse, or verify the terms, products, loan programs, or underwriting claims presented by third-party advertisers. Your interactions with any third party are solely between you and the respective provider.
8. Indemnification
You agree to indemnify, defend, and hold harmless DSCR Analytics, its founders, contributors, and agents from and against all losses, damages, liabilities, costs, and expenses (including reasonable legal fees) resulting from any violation of these Terms or misuse of the service by you.
9. Revisions to Terms
We reserve the right to modify these Terms of Service at any time. Any changes become effective immediately upon posting to this page. Continued access or use of the website following changes indicates your assent to the revised terms.
10. Contact Information
For inquiries, questions, or clarification regarding these Terms of Service, please reach out to our team: