This course explains Debt Service Coverage Threshold Design and how lenders define minimum coverage thresholds to ensure borrowers have sufficient cash flow to service debt in Consumer Loan Against Property (LAP) lending. It covers the DSCR formula structure, key data inputs used in the calculation, benchmark thresholds, and monitoring mechanisms used to identify breaches. The course also highlights how DSCR thresholds function within underwriting frameworks to guide credit decisions, loan structuring, and risk mitigation strategies.