My global DSCR doesn't look ideal for lender purposes, but it is because a somewhat significant part of our overall payroll and expenses are more capital related items.

that was my main point of emphasis not on future value.

Global cash flow is also very important.

Its for this reason that banks look at "global cash flow," especially business banks and they talk about "debt coverage ratio," etc.

Another global issue is that the developers seem to ignore requests for some really basic functionality (especially interface functionality) that ought to be very easy to implement.  

Lead your marketing efforts with an emphasis on what makes your property unique and most desirable.  

In North America, Open Source solutions has not had the same level of adoption as elsewhere in the world ... largely because of our narrow mindset of if I do not pay for it, it cannot be any good.Many programs have come and gone, but QuickBooks seem to stay forever.That, of itself, does not make it a good piece of software, or a globally usable piece of software.  

In our era of globalization and internet, these types of things can be done for cheaper than most of you would think.

http://www.wbtv.com/Global/story.asp?

Bradley, 528 So. 2d 116, 117-18 (Fla. 1st DCA 1988) (emphasis added).