For commercial properties, when lenders want to measure whether or not an income-producing property can adequately cover the debt, they find its:

The debt-to-income ratio focuses on an individual's personal finances, measuring the proportion of their gross monthly income that goes toward debt payments. This ratio is not applicable to commercial properties, as it assesses personal financial capability rather than the income generation of an investment property.

The loan-to-value ratio represents the ratio of a loan amount to the appraised value of the property. While LTV is important for assessing risk in lending, it does not directly measure a property's ability to generate income relative to its debt obligations, making it less relevant for evaluating cash flow performance.

Similar to the debt-to-income ratio, the payment-to-income ratio evaluates how much of an individual's income is allocated to recurring payments. This measure is not relevant for commercial properties, as it focuses on personal finances and does not provide insight into the income-producing capacity of the property itself.