One confidential diagnostic scans every angle — coverage, leverage, maturity, rate, capex, the stack, and your exposure — and tells you where it hurts and what to do next.
Run the numbers right here — no full diagnostic needed.
Does the property cover its loan?
Leverage, independent of rate.
Operating profit before debt.
Turns income into value.
Annual debt cost per $1 borrowed.
Revenue per available room.
Who gets paid first if the property is sold or things go sideways.
Your capital stack is every layer of money in the deal, ranked by priority: the senior mortgage is paid first, then any mezzanine or junior debt, then preferred equity, and finally your common equity. In a sale or a workout, each layer is paid in full before the next sees a dollar. The more layers above your equity — and the thinner the cushion between today's value and the debt — the more exposed you are if performance or value slips.
A few figures cut through the noise. Cash after debt service (NOI minus your annual payment) is what the property actually throws off. DSCR tells you and your lender whether operations cover the loan. Debt yield — NOI divided by the loan — is the rate-proof view lenders rely on. Together they reveal whether your pressure is an operations problem, a leverage problem, or both.
Owners often assume the issue is the loan when it's actually operations — or assume operations can fix it when the capital stack itself needs to change. The honest answer depends on whether realistic NOI gains can close the gap, how close maturity is, and how much capex is looming. The diagnostic scans all of it at once, so you're not guessing which lever to pull.
Our tools are safe and confidential by design — no hotel financial data is stored, ever, and no property name is required. Get your diagnosis and an action roadmap in minutes.
If any of these sounds familiar, the tools above are built for it.
You're making money on paper but it never seems to reach your pocket — and you can't tell why.
DSCR, debt yield, supportable debt, equity cushion — you want them in plain English, without exposing sensitive financials.
Lender, broker, CPA all say different things. You want one honest read of where you actually stand.
Operations, the loan, capex, the whole stack — you need a sequence, not a pile of options.
A full scan rates every dimension red/amber/green so you don't have to guess which lens applies to you.
A capital-stack waterfall shows how much cushion your equity has and who's exposed if value falls.
What to do now, in the next 90 days, before maturity, and long term — tailored to your situation.
Run the diagnostic first, then reach out — we'll help you turn the read into a plan.
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