The "Debt Service Calculator" you've created is a useful tool for evaluating the ability of an income-generating property to cover its debt obligations. It helps users determine if a property is financially viable based on its income and expenses.

1. Inputs:

   - Break Even Ratio: This is the ratio of total operating expenses to gross operating income. It indicates the minimum income needed to cover expenses. A lower ratio signifies better financial health.

   - Gross Operating Income (GOI): This is the total income generated from the property before any expenses are deducted. It includes rent and other income sources.

   - Operating Expenses: These are the costs associated with operating the property, such as maintenance, property management fees, taxes, and insurance.

2. Calculation:

   - The calculator uses the provided inputs to compute whether the property can generate enough income to cover its operating expenses and debt service.

   - The Debt Service Coverage Ratio (DSCR) can be calculated using the formula:

     DSCR = (Gross Operating Income - Operating Expenses) / Break Even Ratio

   - If the DSCR is greater than 1, it indicates that the property generates enough income to cover its debt obligations.

3. Output: The calculator will display the calculated Debt Service Coverage Ratio along with insights into the property's financial health.

- Input: If the user inputs:

  - Break Even Ratio = 10

  - Gross Operating Income = $1000

  - Operating Expenses = $100

  The calculation would work as follows:

  - Net Operating Income (NOI) = GOI - Operating Expenses

  - NOI = $1000 - $100 = $900

  - Debt Service = NOI / Break Even Ratio

  - Debt Service = $900 / 10 = $90

- Output: The result would indicate that the property can service its debt based on the provided inputs.

1. Input Fields: Three fields for users to enter the Break Even Ratio, Gross Operating Income, and Operating Expenses.

2. Calculate Button: A button to perform the calculation.

3. Result Display: A section that shows the Debt Service Coverage Ratio and any relevant financial insights.

- Helpful for Investors: Aids property investors in assessing financial viability.

- User-Friendly: Simple and intuitive design for easy input and quick results.

- Informed Decision-Making: Provides clear insights that can inform investment decisions.

If you have any additional features or specific questions about the calculator, feel free to ask!