A Dscr Loan is a kind of a loan that is commonly used in both real estate and business financing, because it focuses on the borrower’s capacity to fulfil the obligations of the loans he takes by using the Debt Service Coverage Ratio. It is the ratio of operating cash flow to the total current maturities of the debt. Consequently, any increase in DSCR reflects an improvement in financial situation in terms of the borrowers’ capacity to service the debt hence making the borrower more appealing to the lenders.