Oycora methodology
Cash Purchase Behavior
Oycora's treatment of an acquisition with no loan principal or debt service.
Methodology v1.0Effective 2026-08-23Last reviewed 2026-08-23
How this is calculated
Loan balance = 0; debt service = 0; DSCR = unavailable
DSCR is unavailable rather than infinite. Debt service and loan balance remain zero throughout projections.
Why it matters
Cash purchases require coherent results without inventing a debt-service denominator.
What is included
- Purchase and acquisition cash
- Property income and expenses
- CapEx assumptions
What is excluded
- Loan payments
- Loan balance
- Principal paydown
- DSCR
Assumptions and limitations
- Opportunity cost and alternative financing choices are not automatically modeled.