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Real Estate Glossary
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D Terms :
Debenture
A long-term bond or note issued by governments and/or corporations and not secured by a mortgage or lien on any specific property. Since there is no specific property securing the debenture, the ability to repay the debt is based solely on the financial strength of the issuer.
Debt Service Coverage Ratio
The relationship between the annual net operating income (NOI) of a property and the annual debt service of the mortgage loan on the property.Both Lenders and Investors calculate this ratio to assist them in determining the likelihood of the property generating enough income to pay the mortgage payments. From the lender's viewpoint, the higher the ratio, the better.Debt Service: The periodic payment (monthly, quarterly, or annually) necessary to pay the interest .
Dedicate
To appropriate private property to public ownership for a public use.
Deed
A legal document conveying title to a property.
Default
Failure to make mortgage payments regularly or to comply with other requirements of the mortgage.
Deposit
A percentage of the purchase price given to bind the sale of real estate.
Depreciation
A decline in the value of property due to changes in market conditions or other causes.
Disbursement
A cash expenditure for the purpose of settling a debt.
Discount Rate
 The rate of interest charged to banks who buy money from the Federal Reserve System. An increase in the rate not only discourages the banks from borrowing, but it also serves as a signal that interest rates are probably going to increase.  Also, a compound interest rate used to convert expected future income into a present value income.
Disposable Income
Money left over after all expenses have been met.
Distraint
The act of seizing (legally or illegally) personal property based on the right and interest which a landlord has in the property of a tenant in default.
Door Jambs
The vertical sides of a door frame.
Drawdown
The disbursement of loan funds provided by the Bank.
Dual Occupancy
A block of land which is zoned so that there two distinct dwellings are permitted to be constructed.


 


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