Glossary · Debt metrics
Amortisation
The scheduled repayment of loan principal over the term, alongside interest.
Why it matters
Faster amortisation lowers risk for the lender — and the DSCR.
Related
- Bullet / balloon
A loan repaid in full at maturity rather than amortised over the term.
- DSCR (Debt Service Coverage Ratio)
Net Operating Income divided by annual debt service. Can the asset pay its loan from its own cash flow? Lenders typically want 1.25–1.40x or higher.
- Senior debt
The most secured layer of the capital stack — first claim on cash flow and collateral, lowest cost, typically 50–65% of cost.
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