Industry · 12 min read

Project Report for Hotel — Room Inventory, Occupancy, and DSCR (2026)

Hotel project report for bank loans: room count, occupancy ramp-up, ARR model, OTA commissions, staffing, utilities, and DSCR with realistic assumptions.

DSCR Guide
Occupancy × ARR model
Commission and operating expense planning
DSCR sanity checks for term loans

Who this guide is for

  • Budget hotel
  • Boutique hotel
  • Existing hotel expansion/renovation

Bank-loan checklist (use this before you submit)

  • Room inventory and category mix (standard/deluxe etc.)
  • Occupancy ramp-up plan (Year 1 conservative)
  • ARR assumptions backed by local comps
  • OTA/agent commission included
  • Staffing and utilities included
  • DSCR ≥ 1.50 and positive net profit

FAQs

What is a safe occupancy assumption?

Start conservative and ramp. Banks usually challenge overly optimistic Year 1 occupancy.

How do I model revenue beyond rooms?

Separate F&B, banquets, and other income if applicable. Keep margins realistic.

Do hotels need working capital?

Often yes for operations. For larger projects, banks can structure a term loan plus WC limit.

Recommended next reads

Project Report Format

/project-report-format

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