{"id":14965,"date":"2025-06-16T10:59:02","date_gmt":"2025-06-16T05:29:02","guid":{"rendered":"https:\/\/www.jbsagolf.com\/blogs\/?p=14965"},"modified":"2025-10-27T08:13:29","modified_gmt":"2025-10-27T08:13:29","slug":"debt-service-coverage-ratio","status":"publish","type":"post","link":"https:\/\/www.jbsagolf.com\/blogs\/debt-service-coverage-ratio\/","title":{"rendered":"Debt Service Coverage Ratio: Meaning, Formula &#038; Use"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Financial stability is a core pillar of any successful business. Whether you&#8217;re running a growing startup or managing a large corporation, understanding how to assess and manage your debt is crucial. One of the most effective tools for evaluating a company\u2019s financial strength is the debt service coverage ratio (DSCR).<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This ratio shows how much income your business has available to pay off its debts. It helps lenders determine risk, investors understand cash flow, and business owners plan strategically. In this comprehensive guide, we\u2019ll walk you through what the debt service coverage ratio means, how to calculate it, why it\u2019s important, and how to use it to make smarter decisions.<\/span><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.jbsagolf.com\/blogs\/debt-service-coverage-ratio\/#What_Is_the_Debt_Service_Coverage_Ratio\" >What Is the Debt Service Coverage Ratio?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.jbsagolf.com\/blogs\/debt-service-coverage-ratio\/#Why_Is_the_Debt_Service_Coverage_Ratio_Important\" >Why Is the Debt Service Coverage Ratio Important?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.jbsagolf.com\/blogs\/debt-service-coverage-ratio\/#How_to_Calculate_the_Debt_Service_Coverage_Ratio\" >How to Calculate the Debt Service Coverage Ratio?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.jbsagolf.com\/blogs\/debt-service-coverage-ratio\/#Real-World_Example\" >Real-World Example<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.jbsagolf.com\/blogs\/debt-service-coverage-ratio\/#How_Lenders_Use_DSCR\" >How Lenders Use DSCR?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.jbsagolf.com\/blogs\/debt-service-coverage-ratio\/#DSCR_vs_Interest_Coverage_Ratio\" >DSCR vs. Interest Coverage Ratio<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.jbsagolf.com\/blogs\/debt-service-coverage-ratio\/#DSCR_Benchmarks_by_Industry\" >DSCR Benchmarks by Industry<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.jbsagolf.com\/blogs\/debt-service-coverage-ratio\/#How_DSCR_Affects_Business_Strategy\" >How DSCR Affects Business Strategy?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.jbsagolf.com\/blogs\/debt-service-coverage-ratio\/#Common_Mistakes_in_DSCR_Calculations\" >Common Mistakes in DSCR Calculations<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.jbsagolf.com\/blogs\/debt-service-coverage-ratio\/#How_to_Improve_Your_Debt_Service_Coverage_Ratio\" >How to Improve Your Debt Service Coverage Ratio?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.jbsagolf.com\/blogs\/debt-service-coverage-ratio\/#1_Increase_Net_Operating_Income\" >1. Increase Net Operating Income<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.jbsagolf.com\/blogs\/debt-service-coverage-ratio\/#2_Reduce_Expenses\" >2. Reduce Expenses<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/www.jbsagolf.com\/blogs\/debt-service-coverage-ratio\/#3_Restructure_Debt\" >3. Restructure Debt<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/www.jbsagolf.com\/blogs\/debt-service-coverage-ratio\/#4_Delay_Non-Essential_Spending\" >4. Delay Non-Essential Spending<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/www.jbsagolf.com\/blogs\/debt-service-coverage-ratio\/#Scenarios_That_Impact_DSCR\" >Scenarios That Impact DSCR<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/www.jbsagolf.com\/blogs\/debt-service-coverage-ratio\/#DSCR_in_Loan_Agreements\" >DSCR in Loan Agreements<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/www.jbsagolf.com\/blogs\/debt-service-coverage-ratio\/#Final_Thoughts_on_the_Debt_Service_Coverage_Ratio\" >Final Thoughts on the Debt Service Coverage Ratio<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/www.jbsagolf.com\/blogs\/debt-service-coverage-ratio\/#FAQs_Debt_Service_Coverage_Ratio\" >FAQs: Debt Service Coverage Ratio<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"What_Is_the_Debt_Service_Coverage_Ratio\"><\/span><b>What Is the Debt Service Coverage Ratio?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">The debt service coverage ratio is a financial metric that compares a business\u2019s net operating income to its total debt obligations. It\u2019s a way to assess whether your business generates enough income to cover the cost of servicing its debts, including both interest and principal repayments.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In simple terms, this ratio answers a critical question: &#8220;Can my business afford to repay its loans?&#8221;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The formula is straightforward:<\/span><\/p>\n<p><span style=\"font-weight: 400;\">DSCR = Net Operating Income \u00f7 Total Debt Service<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Net Operating Income (NOI) is your income before taxes and interest.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Total Debt Service is the sum of all loan payments (both principal and interest) due in a year.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">A DSCR greater than 1.0 indicates that your business is generating enough income to cover its debts. A ratio less than 1.0 suggests that you may need to find additional funding sources to meet your financial obligations.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Why_Is_the_Debt_Service_Coverage_Ratio_Important\"><\/span><b>Why Is the Debt Service Coverage Ratio Important?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">The debt service coverage ratio is a key figure for anyone involved in lending, investing, or managing business finances. It\u2019s used by:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Lenders to decide whether to approve a loan.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Investors to assess financial health.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Business owners to plan operations and expansion.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">A strong DSCR shows that your business is low-risk and capable of handling new debt. Conversely, a low DSCR might mean you\u2019re operating with thin margins or facing financial trouble.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Here\u2019s how DSCR levels are typically interpreted:<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td><b>DSCR Value<\/b><\/td>\n<td><b>What It Means?<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">&lt; 1.00<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Your income is not enough to pay off debt<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">= 1.00<\/span><\/td>\n<td><span style=\"font-weight: 400;\">You\u2019re just breaking even<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">1.20 \u2013 1.50<\/span><\/td>\n<td><span style=\"font-weight: 400;\">You\u2019re in a healthy range<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">&gt; 2.00<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Your business is financially very strong<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2><span class=\"ez-toc-section\" id=\"How_to_Calculate_the_Debt_Service_Coverage_Ratio\"><\/span><b>How to Calculate the Debt Service Coverage Ratio?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\"alignnone wp-image-30243 size-full\" src=\"https:\/\/www.jbsagolf.com\/blogs\/wp-content\/uploads\/2025\/09\/How-to-Calculate-the-Debt-Service-Coverage-Ratio.jpg\" alt=\"How-to-Calculate-the-Debt-Service-Coverage-Ratio\" width=\"1280\" height=\"720\" srcset=\"https:\/\/www.jbsagolf.com\/blogs\/wp-content\/uploads\/2025\/09\/How-to-Calculate-the-Debt-Service-Coverage-Ratio.jpg 1280w, https:\/\/www.jbsagolf.com\/blogs\/wp-content\/uploads\/2025\/09\/How-to-Calculate-the-Debt-Service-Coverage-Ratio-300x169.jpg 300w, https:\/\/www.jbsagolf.com\/blogs\/wp-content\/uploads\/2025\/09\/How-to-Calculate-the-Debt-Service-Coverage-Ratio-1024x576.jpg 1024w, https:\/\/www.jbsagolf.com\/blogs\/wp-content\/uploads\/2025\/09\/How-to-Calculate-the-Debt-Service-Coverage-Ratio-768x432.jpg 768w\" sizes=\"(max-width: 1280px) 100vw, 1280px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">To calculate your debt service coverage ratio, you need two figures:<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Net Operating Income:<\/strong> <\/span><span style=\"font-weight: 400;\">This is your total revenue minus operating expenses (excluding interest and taxes). It\u2019s often referred to as EBIT \u2014 earnings before interest and taxes.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><strong>Total Debt Service: <\/strong><span style=\"font-weight: 400;\">This includes all scheduled debt repayments over a given period, typically one year. Make sure you include both principal and interest, as well as lease payments and any required sinking fund contributions.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Let\u2019s say your business earned $500,000 in net operating income, and your total debt obligations for the year were $400,000.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The calculation would be:<\/span><\/p>\n<p><span style=\"font-weight: 400;\">DSCR = 500,000 \u00f7 400,000 = 1.25<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This means you have 25% more income than you need to cover your debt payments. That\u2019s a healthy DSCR.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Real-World_Example\"><\/span><b>Real-World Example<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Consider a real estate developer with annual net operating income of $2,150,000 and annual debt service of $350,000. The DSCR would be:<\/span><\/p>\n<p><span style=\"font-weight: 400;\">DSCR = 2,150,000 \u00f7 350,000 = 6.14<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This indicates the developer earns more than six times the amount needed to cover their debt. It\u2019s an excellent position to be in and signals very low risk for lenders.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_Lenders_Use_DSCR\"><\/span><b>How Lenders Use DSCR?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Banks and financial institutions rely on the debt service coverage ratio to decide whether or not to approve a loan. They want assurance that your income will be enough to pay them back.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">A DSCR of 1.25 or higher is typically required for approval.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">A DSCR below 1.00 is often viewed as a red flag.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Some loan agreements include DSCR requirements as covenants. If your DSCR drops below the minimum, it could trigger penalties or early repayment terms.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">For lenders, a strong DSCR equals lower risk.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"DSCR_vs_Interest_Coverage_Ratio\"><\/span><b>DSCR vs. Interest Coverage Ratio<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">While both DSCR and the interest coverage ratio assess your ability to service debt, they\u2019re not the same.<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td><b>Metric<\/b><\/td>\n<td><b>Measures<\/b><\/td>\n<td><b>Includes Principal?<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">DSCR<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Ability to cover all debt<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Yes<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Interest Coverage Ratio<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Ability to pay interest only<\/span><\/td>\n<td><span style=\"font-weight: 400;\">No<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-weight: 400;\">The debt service coverage ratio gives a more complete picture. It tells you whether you can meet all debt obligations \u2014 not just the interest.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"DSCR_Benchmarks_by_Industry\"><\/span><b>DSCR Benchmarks by Industry<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Different industries have different risk profiles and expectations. Here&#8217;s a general guide to target DSCR values by sector:<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td><b>Industry<\/b><\/td>\n<td><b>Recommended DSCR<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Real Estate<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1.20 \u2013 1.50<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Manufacturing<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1.25 \u2013 1.75<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Retail<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1.10 \u2013 1.40<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Hospitality<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1.30 \u2013 1.60<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-weight: 400;\">Always compare your DSCR to similar companies in your industry to understand how you stack up.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_DSCR_Affects_Business_Strategy\"><\/span><b>How DSCR Affects Business Strategy?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Tracking your debt service coverage ratio isn\u2019t just useful for lenders. It\u2019s a powerful internal tool.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">A rising DSCR indicates financial health and growth potential.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">A falling DSCR may signal cash flow problems ahead.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Monitoring your DSCR helps you avoid borrowing too much or expanding too quickly.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Business leaders use DSCR to make better decisions about investments, staffing, expansion, and cost control.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Common_Mistakes_in_DSCR_Calculations\"><\/span><b>Common Mistakes in DSCR Calculations<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">If your DSCR isn\u2019t accurate, your decisions may be flawed. Here are some common errors:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Including non-operating income (like asset sales)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Excluding lease payments from total debt service<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Using gross profit instead of net operating income<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ignoring balloon payments or upcoming loan adjustments<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Make sure you\u2019re using clean, consistent data.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_to_Improve_Your_Debt_Service_Coverage_Ratio\"><\/span><b>How to Improve Your Debt Service Coverage Ratio?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">If your DSCR is too low, don\u2019t panic. There are several ways to improve it:<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"1_Increase_Net_Operating_Income\"><\/span><b>1. Increase Net Operating Income<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Boost sales<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Improve pricing strategies<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Expand into new markets<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"2_Reduce_Expenses\"><\/span><b>2. Reduce Expenses<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Cut unnecessary costs<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Streamline operations<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Reduce overhead<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"3_Restructure_Debt\"><\/span><b>3. Restructure Debt<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Refinance to lower interest rates<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Extend loan terms<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Consolidate multiple loans<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"4_Delay_Non-Essential_Spending\"><\/span><b>4. Delay Non-Essential Spending<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Postpone large capital purchases<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Focus on cash flow-positive projects<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Improving your debt service coverage ratio takes time but has lasting benefits.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Scenarios_That_Impact_DSCR\"><\/span><b>Scenarios That Impact DSCR<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<tbody>\n<tr>\n<td><b>Situation<\/b><\/td>\n<td><b>DSCR Effect<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Decline in revenue<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Lowers DSCR<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Increased loan payments<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Lowers DSCR<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Higher operating efficiency<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Raises DSCR<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Debt consolidation at lower rates<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Raises DSCR<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Adding new loan without new income<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Lowers DSCR<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-weight: 400;\">These scenarios show just how sensitive your DSCR is to operational changes.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"DSCR_in_Loan_Agreements\"><\/span><b>DSCR in Loan Agreements<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Many loan contracts include DSCR covenants. These are agreements between the lender and borrower to maintain a minimum DSCR. If your DSCR falls:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Your interest rate may rise<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You could face loan recalls<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The lender might limit your access to future credit<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">One well-known example is Sun Country Inc., which agreed to share 50% of its revenue with lenders if its DSCR dropped below 1.00.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Final_Thoughts_on_the_Debt_Service_Coverage_Ratio\"><\/span><b>Final Thoughts on the Debt Service Coverage Ratio<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">The debt service coverage ratio is one of the most useful financial metrics a business can track. It gives you \u2014 and your lenders \u2014 confidence that you\u2019re on solid financial ground.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Monitoring your DSCR helps avoid debt traps, improves financial planning, and creates better borrowing conditions. It\u2019s not just a number; it\u2019s a decision-making tool.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Whether you&#8217;re applying for a loan, planning for growth, or managing daily operations, your debt service coverage ratio should always be part of the conversation. The stronger your ratio, the safer your business.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"FAQs_Debt_Service_Coverage_Ratio\"><\/span><b>FAQs: Debt Service Coverage Ratio<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Q1: What is considered a good DSCR?<\/strong><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\"> A DSCR above 1.25 is generally seen as strong.<\/span><\/p>\n<p><strong>Q2: How often should I calculate DSCR?<\/strong><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\"> Ideally, monthly or quarterly. Waiting a full year could hide problems.<\/span><\/p>\n<p><strong>Q3: Can DSCR be used for personal loans?<\/strong><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\"> It\u2019s mainly for business use, but some mortgage lenders use a similar concept.<\/span><\/p>\n<p><strong>Q4: Is DSCR required by law?<\/strong><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\"> No, but it\u2019s required by most lenders as part of loan conditions.<\/span><\/p>\n<p><strong>Q5: Can I automate DSCR tracking?<\/strong><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\"> Yes. Many financial dashboards and accounting tools can track DSCR automatically.<\/span><\/p>\n<p><strong>Read More Blogs \ud83d\ude42<\/strong><\/p>\n<p class=\"entry-title\"><a href=\"https:\/\/darkgray-pelican-245271.hostingersite.com\/blogs\/att-my-results\/\" target=\"_blank\" rel=\"bookmark noopener\">ATT My Results Login: Payroll, HR Tools &amp; Sales Access<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Financial stability is a core pillar of any successful business. Whether you&#8217;re running a growing startup or managing a large corporation, understanding how to assess and manage your debt is [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":29469,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[33],"tags":[975],"class_list":["post-14965","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business","tag-debt-service-coverage-ratio"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Debt Service Coverage Ratio: A Complete Guide for Business<\/title>\n<meta name=\"description\" content=\"Debt service coverage ratio shows if your income covers debt. Learn its formula, benefits, benchmarks, and how to improve DSCR.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.jbsagolf.com\/blogs\/debt-service-coverage-ratio\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Debt Service Coverage Ratio: A Complete Guide for Business\" \/>\n<meta property=\"og:description\" content=\"Debt service coverage ratio shows if your income covers debt. Learn its formula, benefits, benchmarks, and how to improve DSCR.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.jbsagolf.com\/blogs\/debt-service-coverage-ratio\/\" \/>\n<meta property=\"og:site_name\" content=\"JBSA Golf\" \/>\n<meta property=\"article:published_time\" content=\"2025-06-16T05:29:02+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-10-27T08:13:29+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.jbsagolf.com\/blogs\/wp-content\/uploads\/2025\/09\/Debt-Service-Coverage-Ratio.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1280\" \/>\n\t<meta property=\"og:image:height\" content=\"720\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"jbsagolf\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"jbsagolf\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.jbsagolf.com\\\/blogs\\\/debt-service-coverage-ratio\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.jbsagolf.com\\\/blogs\\\/debt-service-coverage-ratio\\\/\"},\"author\":{\"name\":\"jbsagolf\",\"@id\":\"https:\\\/\\\/www.jbsagolf.com\\\/blogs\\\/#\\\/schema\\\/person\\\/6846b74cc659c19b62616e6062b3ca8a\"},\"headline\":\"Debt Service Coverage Ratio: Meaning, Formula &#038; Use\",\"datePublished\":\"2025-06-16T05:29:02+00:00\",\"dateModified\":\"2025-10-27T08:13:29+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.jbsagolf.com\\\/blogs\\\/debt-service-coverage-ratio\\\/\"},\"wordCount\":1305,\"image\":{\"@id\":\"https:\\\/\\\/www.jbsagolf.com\\\/blogs\\\/debt-service-coverage-ratio\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.jbsagolf.com\\\/blogs\\\/wp-content\\\/uploads\\\/2025\\\/09\\\/Debt-Service-Coverage-Ratio.jpg\",\"keywords\":[\"debt service coverage ratio\"],\"articleSection\":[\"Business\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.jbsagolf.com\\\/blogs\\\/debt-service-coverage-ratio\\\/\",\"url\":\"https:\\\/\\\/www.jbsagolf.com\\\/blogs\\\/debt-service-coverage-ratio\\\/\",\"name\":\"Debt Service Coverage Ratio: A Complete Guide for Business\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.jbsagolf.com\\\/blogs\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.jbsagolf.com\\\/blogs\\\/debt-service-coverage-ratio\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.jbsagolf.com\\\/blogs\\\/debt-service-coverage-ratio\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.jbsagolf.com\\\/blogs\\\/wp-content\\\/uploads\\\/2025\\\/09\\\/Debt-Service-Coverage-Ratio.jpg\",\"datePublished\":\"2025-06-16T05:29:02+00:00\",\"dateModified\":\"2025-10-27T08:13:29+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/www.jbsagolf.com\\\/blogs\\\/#\\\/schema\\\/person\\\/6846b74cc659c19b62616e6062b3ca8a\"},\"description\":\"Debt service coverage ratio shows if your income covers debt. Learn its formula, benefits, benchmarks, and how to improve DSCR.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.jbsagolf.com\\\/blogs\\\/debt-service-coverage-ratio\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.jbsagolf.com\\\/blogs\\\/debt-service-coverage-ratio\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.jbsagolf.com\\\/blogs\\\/debt-service-coverage-ratio\\\/#primaryimage\",\"url\":\"https:\\\/\\\/www.jbsagolf.com\\\/blogs\\\/wp-content\\\/uploads\\\/2025\\\/09\\\/Debt-Service-Coverage-Ratio.jpg\",\"contentUrl\":\"https:\\\/\\\/www.jbsagolf.com\\\/blogs\\\/wp-content\\\/uploads\\\/2025\\\/09\\\/Debt-Service-Coverage-Ratio.jpg\",\"width\":1280,\"height\":720,\"caption\":\"Debt Service Coverage Ratio\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.jbsagolf.com\\\/blogs\\\/debt-service-coverage-ratio\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.jbsagolf.com\\\/blogs\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Debt Service Coverage Ratio: Meaning, Formula &#038; Use\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.jbsagolf.com\\\/blogs\\\/#website\",\"url\":\"https:\\\/\\\/www.jbsagolf.com\\\/blogs\\\/\",\"name\":\"JBSA Golf\",\"description\":\"Golf Insights and All-Around Useful Information in One Place.\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.jbsagolf.com\\\/blogs\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.jbsagolf.com\\\/blogs\\\/#\\\/schema\\\/person\\\/6846b74cc659c19b62616e6062b3ca8a\",\"name\":\"jbsagolf\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/ed87e8b0b067f0376363ce00590f815ef81b2bacffe4839651a547fe98dc2be2?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/ed87e8b0b067f0376363ce00590f815ef81b2bacffe4839651a547fe98dc2be2?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/ed87e8b0b067f0376363ce00590f815ef81b2bacffe4839651a547fe98dc2be2?s=96&d=mm&r=g\",\"caption\":\"jbsagolf\"},\"url\":\"https:\\\/\\\/www.jbsagolf.com\\\/blogs\\\/author\\\/admin\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Debt Service Coverage Ratio: A Complete Guide for Business","description":"Debt service coverage ratio shows if your income covers debt. Learn its formula, benefits, benchmarks, and how to improve DSCR.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.jbsagolf.com\/blogs\/debt-service-coverage-ratio\/","og_locale":"en_US","og_type":"article","og_title":"Debt Service Coverage Ratio: A Complete Guide for Business","og_description":"Debt service coverage ratio shows if your income covers debt. Learn its formula, benefits, benchmarks, and how to improve DSCR.","og_url":"https:\/\/www.jbsagolf.com\/blogs\/debt-service-coverage-ratio\/","og_site_name":"JBSA Golf","article_published_time":"2025-06-16T05:29:02+00:00","article_modified_time":"2025-10-27T08:13:29+00:00","og_image":[{"width":1280,"height":720,"url":"https:\/\/www.jbsagolf.com\/blogs\/wp-content\/uploads\/2025\/09\/Debt-Service-Coverage-Ratio.jpg","type":"image\/jpeg"}],"author":"jbsagolf","twitter_card":"summary_large_image","twitter_misc":{"Written by":"jbsagolf","Est. reading time":"6 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.jbsagolf.com\/blogs\/debt-service-coverage-ratio\/#article","isPartOf":{"@id":"https:\/\/www.jbsagolf.com\/blogs\/debt-service-coverage-ratio\/"},"author":{"name":"jbsagolf","@id":"https:\/\/www.jbsagolf.com\/blogs\/#\/schema\/person\/6846b74cc659c19b62616e6062b3ca8a"},"headline":"Debt Service Coverage Ratio: Meaning, Formula &#038; Use","datePublished":"2025-06-16T05:29:02+00:00","dateModified":"2025-10-27T08:13:29+00:00","mainEntityOfPage":{"@id":"https:\/\/www.jbsagolf.com\/blogs\/debt-service-coverage-ratio\/"},"wordCount":1305,"image":{"@id":"https:\/\/www.jbsagolf.com\/blogs\/debt-service-coverage-ratio\/#primaryimage"},"thumbnailUrl":"https:\/\/www.jbsagolf.com\/blogs\/wp-content\/uploads\/2025\/09\/Debt-Service-Coverage-Ratio.jpg","keywords":["debt service coverage ratio"],"articleSection":["Business"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/www.jbsagolf.com\/blogs\/debt-service-coverage-ratio\/","url":"https:\/\/www.jbsagolf.com\/blogs\/debt-service-coverage-ratio\/","name":"Debt Service Coverage Ratio: A Complete Guide for Business","isPartOf":{"@id":"https:\/\/www.jbsagolf.com\/blogs\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.jbsagolf.com\/blogs\/debt-service-coverage-ratio\/#primaryimage"},"image":{"@id":"https:\/\/www.jbsagolf.com\/blogs\/debt-service-coverage-ratio\/#primaryimage"},"thumbnailUrl":"https:\/\/www.jbsagolf.com\/blogs\/wp-content\/uploads\/2025\/09\/Debt-Service-Coverage-Ratio.jpg","datePublished":"2025-06-16T05:29:02+00:00","dateModified":"2025-10-27T08:13:29+00:00","author":{"@id":"https:\/\/www.jbsagolf.com\/blogs\/#\/schema\/person\/6846b74cc659c19b62616e6062b3ca8a"},"description":"Debt service coverage ratio shows if your income covers debt. Learn its formula, benefits, benchmarks, and how to improve DSCR.","breadcrumb":{"@id":"https:\/\/www.jbsagolf.com\/blogs\/debt-service-coverage-ratio\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.jbsagolf.com\/blogs\/debt-service-coverage-ratio\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.jbsagolf.com\/blogs\/debt-service-coverage-ratio\/#primaryimage","url":"https:\/\/www.jbsagolf.com\/blogs\/wp-content\/uploads\/2025\/09\/Debt-Service-Coverage-Ratio.jpg","contentUrl":"https:\/\/www.jbsagolf.com\/blogs\/wp-content\/uploads\/2025\/09\/Debt-Service-Coverage-Ratio.jpg","width":1280,"height":720,"caption":"Debt Service Coverage Ratio"},{"@type":"BreadcrumbList","@id":"https:\/\/www.jbsagolf.com\/blogs\/debt-service-coverage-ratio\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.jbsagolf.com\/blogs\/"},{"@type":"ListItem","position":2,"name":"Debt Service Coverage Ratio: Meaning, Formula &#038; Use"}]},{"@type":"WebSite","@id":"https:\/\/www.jbsagolf.com\/blogs\/#website","url":"https:\/\/www.jbsagolf.com\/blogs\/","name":"JBSA Golf","description":"Golf Insights and All-Around Useful Information in One Place.","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.jbsagolf.com\/blogs\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/www.jbsagolf.com\/blogs\/#\/schema\/person\/6846b74cc659c19b62616e6062b3ca8a","name":"jbsagolf","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/ed87e8b0b067f0376363ce00590f815ef81b2bacffe4839651a547fe98dc2be2?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/ed87e8b0b067f0376363ce00590f815ef81b2bacffe4839651a547fe98dc2be2?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/ed87e8b0b067f0376363ce00590f815ef81b2bacffe4839651a547fe98dc2be2?s=96&d=mm&r=g","caption":"jbsagolf"},"url":"https:\/\/www.jbsagolf.com\/blogs\/author\/admin\/"}]}},"_links":{"self":[{"href":"https:\/\/www.jbsagolf.com\/blogs\/wp-json\/wp\/v2\/posts\/14965","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.jbsagolf.com\/blogs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.jbsagolf.com\/blogs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.jbsagolf.com\/blogs\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/www.jbsagolf.com\/blogs\/wp-json\/wp\/v2\/comments?post=14965"}],"version-history":[{"count":1,"href":"https:\/\/www.jbsagolf.com\/blogs\/wp-json\/wp\/v2\/posts\/14965\/revisions"}],"predecessor-version":[{"id":35079,"href":"https:\/\/www.jbsagolf.com\/blogs\/wp-json\/wp\/v2\/posts\/14965\/revisions\/35079"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.jbsagolf.com\/blogs\/wp-json\/wp\/v2\/media\/29469"}],"wp:attachment":[{"href":"https:\/\/www.jbsagolf.com\/blogs\/wp-json\/wp\/v2\/media?parent=14965"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.jbsagolf.com\/blogs\/wp-json\/wp\/v2\/categories?post=14965"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.jbsagolf.com\/blogs\/wp-json\/wp\/v2\/tags?post=14965"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}