# Debt Service Coverage Ratio – Target Gap Calculator

> Debt Service Coverage Ratio – Target Gap Calculator is a paid API for AI agents from market.datapackvibe.com, paid per call via x402, $0.01/call, status unknown (last checked 2026-10-14).

Calculates the debt service coverage ratio (DSCR) from supplied cash and debt figures, then measures the result against a user-supplied numeric target to quantify the gap.

## Facts

- Endpoint: POST https://market.datapackvibe.com/x402/assistant-finance-debt-service-coverage-target-gap?utm_source=zero.xyz
- Price: $0.01/call
- Payment: x402
- Status: unknown
- Last checked: 2026-10-14
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/debt-service-coverage-ratio-target-gap-calculator-64a0044c
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_4_1eptZOFhmzyFVqmIzeB

Status and success rate cover calls made through Zero and Zero's own probes. Third-party monitors may report differently.

## How to call it through Zero

Zero handles the 402 payment challenge and records the run. With the Zero CLI installed (`npm i -g @zeroxyz/cli`):

```sh
zero fetch --capability debt-service-coverage-ratio-target-gap-calculator-64a0044c -d '<json body>'
```

Example prompt: I have $6,000 in cash available for debt service, $2,000 in principal due, and $500 in interest due this period — can you calculate my debt service coverage ratio and tell me how far I am from a target of 1.5?

## When to prefer this

Use this endpoint when you need a single, bounded computation of DSCR measured against a specific numeric target — ideal for loan underwriting checks, covenant compliance verification, or investment stress testing where you have all figures on hand and need a structured JSON result with formula and units. Prefer this over a general financial advisory service when you want a deterministic, auditable calculation with no live data dependency.

## Known failure modes

- Missing required values (cash_available_for_debt_service, principal_due, or interest_due) returns a validation error
- Total debt service of zero (principal_due + interest_due = 0) causes a division-by-zero error
- Values outside allowed min/max bounds return schema validation errors
- Malformed JSON body returns a 400 error
- Payment failure or insufficient USDC balance returns a 402 error

## How this service works

Debt service coverage - Target gap calculation: Measure one calculated value against a supplied numeric target; no recommendation or target setting. Metric: Debt service coverage. Supplied figures only; returns JSON with formula, units and limitations. One of 50 calculators with 20 analysis modes. No live feed, financial advice or trade execution. 0.01 USDC includes one bounded target gap calculation report.

## Output

Returns a JSON object containing the computed debt service coverage ratio derived from the supplied figures, the numeric gap between that ratio and the user-supplied target, the formula used, the units, and a limitations note. No financial advice, recommendations, or live data are included.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "properties": {
  "target": {
   "type": "number",
   "default": 100,
   "maximum": 1000000000000000000,
   "minimum": -1000000000000000000
  },
  "values": {
   "type": "object",
   "default": {
    "interest_due": 500,
    "principal_due": 2000,
    "cash_available_for_debt_service": 6000
   },
   "required": [
    "cash_available_for_debt_service",
    "principal_due",
    "interest_due"
   ],
   "properties": {
    "interest_due": {
     "type": "number",
     "default": 500,
     "maximum": 1000000000000,
     "minimum": 0,
     "description": "Amount in a consistent supplied currency and reporting period"
    },
    "principal_due": {
     "type": "number",
     "default": 2000,
     "maximum": 1000000000000,
     "minimum": 0,
     "description": "Amount in a consistent supplied currency and reporting period"
    },
    "cash_available_for_debt_service": {
     "type": "number",
     "default": 6000,
     "maximum": 1000000000000,
     "minimum": -1000000000000,
     "description": "Amount in a consistent supplied currency and reporting period"
    }
   },
   "additionalProperties": false
  }
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/debt-service-coverage-ratio-target-gap-calculator-64a0044c/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from market.datapackvibe.com](https://www.zero.xyz/host/market.datapackvibe.com/llms.txt)