Self-employed businessmen and entrepreneurs assume that getting a home loan from banks and financial institutions is easy as a peach. With income statements, lenders cannot ascertain that the same pattern will follow in the future. And because of the same, profit to the businesses is not the only factor that banks look at while evaluating the financial prominence. To arrive at a clear image of the financial prominence, lenders also look at other key factors involving ratios. For a businessmen or self-employed entrepreneurs, this knowledge about the way in which banks assess and arrive at those ratios is vital. This article elaborates the 3 most important financial ratios that the banks evaluate. DSCR which expands as Debt Service Coverage Ratio: For people who run businesses, the banks evaluate the DSCR or Debt Service Coverage Ratio. This ratio identifies the ability of the borrower to repay the loan. With this ratio, the lenders can find out the profit in cash that is a