One place to understand your hotel's debt and decide what to do about it: refinance, restructure, raise capital, improve NOI, or sell. Start with the free diagnostic.
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.
Three terms run every hotel debt conversation. DSCR — NOI divided by annual debt service — tells you whether operations cover the loan; below 1.0x they don't, and lenders typically want 1.25x or more. Debt yield — NOI divided by the loan balance — ignores rate and amortization, so lenders use it as a rate-proof floor, often around 9–10%. The loan constant is annual debt service per dollar borrowed; it ties your rate and amortization to the payment. Together they decide how much debt your NOI can carry.
You improve coverage three ways: raise NOI (rate, occupancy, channel mix, cost control), reduce the loan (a paydown), or change the terms (a lower rate, longer amortization, or an interest-only period). Each moves your DSCR by a different amount, and the right mix depends on whether your constraint is coverage, proceeds, maturity timing, or capex.
If the gap is small and operations can plausibly close it, the fix may be commercial — pricing, distribution, and cost. If the gap is large, maturity is near, or your equity cushion is thin, the capital stack itself likely needs to change, which means a lender, broker, or capital advisor. Start with the diagnostic to see which it is, then talk to someone who can act on it.
It scans every angle of your hotel's debt and hands you a plain-English diagnosis and an action plan. Our tools are safe and confidential by design — no hotel financial data is stored, ever.
If any of these sounds familiar, the tools above are built for it.
Not a sales pitch from a single lender or broker — an independent view of where your hotel's debt actually stands.
It might be operations, the loan, capex, or the whole stack at once. You want someone who sees all of it together.
DSCR, debt yield, loan constant, refinance proceeds — explained clearly, so you can hold your own with lenders.
A sequence of moves for the near and long term, matched to your goals.
Pricing, distribution, OTA strategy, direct booking — lifting the NOI that everything else depends on.
Refinance and restructure readiness, lender packages, and modeling the options before you commit.
Help arranging refinance, bridge, and construction capital — or marketing the asset when selling is the right call.
Tell us what you're facing. We'll point you to the clearest next step — whether or not it involves us.
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