Debt schedules and scenario analysis - credit analysis of middle market companies

I am relatively new so I apologize if these are dumb questions.

If you want to evaluate a company's ability to meet its debt payment obligations and you have 3 years of historical's (balance sheet, income statement and cash flow.) How exactly do you model out the debt schedule and stress test it?

Specifically, how do you find the individual debt schedules of secured, senior unsecured etc. and once you schedule those out, what variables do you typically use for the sensitivity or scenario analyses?

When I stress test, I would also like to make sure there are no covenants being broken. Is it fair to assume all the covenants can be found in the footnotes?

This is 1 section of my analysis on a middle market company's credit worthiness.

P.s. What is the most practical/fastest way to compare my corporate credit analysis ratios to industry data? For example if I want to find 3 or 4 companies that are most relevant to my company, which free source is most reliable at organizing companies into peer groups and organizing relevant data?

I noticed yahoo sometimes groups companies that are within the same industry but have significant differences in size for example so the data becomes less comparable.