$70,000 ÷ $56,000 = 1.25×. This is an example, not a lender approval threshold.
Fictional NOI $70,000 ÷ annual debt service $56,000 = 1.25×. The $14,000 difference is before capital expenditures, reserves and other excluded cash needs.
A solution can look empty while containing plenty.
Dissolved substances can be spread through a liquid at a molecular or ionic scale, too small to see individually.