Investor Smith's mortgage lender is requiring a debt service coverage ratio (DSCR) of 1.25. His NOI is $230,000 and his annual debt service is $163,000. Does Investor Smith have the capacity to repay this loan based on the DSCR required?

	1.	No, because the borrower's DSCR is 1.23.
	2.	No, because the borrower's DSCR is 1.00.
	3.	Yes, because the borrower's DSCR is 1.41.
	4.	Yes, because the borrower's DSCR is 1.33.