curl --request POST \
  --url https://api.iotools.cloud/v1/tool/debt-service-coverage-ratio-calculator \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --data '
{
  "grossAnnualIncome": "250000",
  "operatingExpenses": "100000",
  "annualPrincipal": "30000",
  "annualInterest": "20000",
  "currency": "USD"
}
'

{
  "tool": "debt-service-coverage-ratio-calculator",
  "tool_version": "1.0.1",
  "outputs": {
    "summary": [
      {
        "metric": "Net Operating Income (NOI)",
        "value": "$150,000.00"
      },
      {
        "metric": "Total Annual Debt Service",
        "value": "$50,000.00"
      },
      {
        "metric": "Debt Service Coverage Ratio (DSCR)",
        "value": "3.00x"
      },
      {
        "metric": "Cash Flow After Debt Service",
        "value": "$100,000.00"
      },
      {
        "metric": "DSCR Rating",
        "value": "Strong"
      }
    ],
    "qualification": [
      {
        "loan-program": "SBA 7(a) Loan",
        "guideline-min-dscr": "1.15x",
        "meets-guideline": "Yes",
        "additional-noi-needed": "—"
      },
      {
        "loan-program": "Conventional Commercial Mortgage",
        "guideline-min-dscr": "1.20x",
        "meets-guideline": "Yes",
        "additional-noi-needed": "—"
      },
      {
        "loan-program": "Multifamily / Apartment Loan",
        "guideline-min-dscr": "1.25x",
        "meets-guideline": "Yes",
        "additional-noi-needed": "—"
      },
      {
        "loan-program": "CMBS Loan",
        "guideline-min-dscr": "1.25x",
        "meets-guideline": "Yes",
        "additional-noi-needed": "—"
      },
      {
        "loan-program": "Construction Loan",
        "guideline-min-dscr": "1.35x",
        "meets-guideline": "Yes",
        "additional-noi-needed": "—"
      }
    ]
  },
  "credits_used": 3,
  "credits_remaining": null
}