If your bank is lending on a property with a variety of units available to lease, there is a chance that all those units might be leased up and there is a chance that none of the units will maintain their lease over the life of the loan. The reality is, the outcome is likely somewhere in between. The average banker would look at one set of cash flow and calculate their debt service coverage off a base case using a set of assumptions. The good news is you are not an average banker. Otherwise, you wouldn’t be reading this.