Is the Following True or Flaso? 13. A gross lease is riskier for the lessor than a net lease. 14. One advantage of using leverage is that NOI increases with higher amounts of leverage. 15. An interest only loan will provide a higher debt coverage ratio than an amortizing loan with the same interest rate. 16. Everything else equal, the loan balance on a negative amortization loan will be less than that on an interest-only loan after the first year.