Latest Discussions
TB
How is DSCR calculated and what counts as rental income?
New to DSCR loans and trying to understand the math. Is it gross rent or net? Does my existing mortgage payment factor i
3 replies
892 views
PA
Wyoming vs Delaware vs Florida LLC for foreign-owned rental - which one wins?
Closing on my first US rental property as a foreign national (I am based in Sao Paulo). My cross-border CPA is pushing W
3 replies
309 views
L(
Foreign national DSCR - what countries do US lenders actually approve?
I am a UK citizen living in London, no US presence. Looking at a single-family rental in Tampa for around $420k. Some le
2 replies
213 views
JU
Buying my first US rental from Canada - do I need an ITIN before applying?
Canadian investor here. I am under contract on a townhouse in Phoenix and trying to figure out the document path. My CPA
2 replies
178 views
RA
Out-of-state DSCR investing - any lender concerns about absentee landlords?
I live in CA but the deals here don't pencil. Looking at properties in TN and OH that I'd manage with a PM company. Do D
3 replies
683 views
HV
What is the prepayment penalty structure on a DSCR loan?
My broker mentioned a 5/4/3/2/1 prepay on the DSCR quote I got. What does this actually mean if I sell or refi in year 2
2 replies
856 views
LK
Mid-term rentals (30-90 day stays) - does this count as STR or LTR for DSCR?
I run furnished rentals to traveling nurses and corporate clients - mostly 60-90 day stays. Lender asked if it was short
2 replies
512 views
BJ
BRRRR strategy with DSCR - what is the seasoning period for cash-out refi?
Just bought a fixer for $145k cash, putting $40k into rehab. ARV should be around $260k. How long do I need to hold befo
3 replies
1247 views
TE
LLC vs personal name for DSCR loans - what is the best structure?
I currently own 3 rentals in my personal name and I am about to close on my 4th using a DSCR loan. My CPA is telling me
1 replies
78 views
MI
Best markets for cash-flowing rentals in 2026?
I have been investing in the Midwest (Indianapolis and Cleveland) for the past 3 years and have done well with DSCR loan
1 replies
105 views
CA
Using AirDNA projections for STR qualification - how accurate are they?
I am under contract on a cabin in Gatlinburg, TN that I plan to run as a short-term rental on Airbnb. My lender says the
1 replies
63 views
PH
Current DSCR rates - are we seeing 7s or still in the 6s?
I locked a DSCR loan at 7.125% about 6 months ago on a single-family rental in Phoenix. 750 credit, 75% LTV, DSCR of 1.3
1 replies
87 views
TA
First-time investor - is 0.95 DSCR too low to get approved?
I am looking at a duplex in Tampa that would cash flow about ,800/mo in rent. After PITIA the DSCR comes out to roughly
2 replies
42 views
RT
How do you calculate the DSCR ratio?
DSCR = Monthly Gross Rental Income divided by Monthly Debt Obligation (PITIA).Example: $2,500 rent divided by $2,000 PIT
2 replies
634 views
DK
Cash-out refi on a free-and-clear property - how does DSCR work?
I own a rental outright. Can I do a DSCR cash-out refi to pull equity out and fund my next purchase?
2 replies
1022 views
DH
Minimum occupancy rate lenders want to see for STR DSCR?
I have a beach property that does really well June-August but is slow Nov-Feb. Does the lender average it out or use the
1 replies
289 views
KT
DSCR below 1.0 - any options? My deal pencils at 0.88
Found a great duplex but after running the numbers my DSCR comes out to 0.88. Is that an automatic denial or do lenders
1 replies
741 views
MR
Rate lock timing - should I lock now or float with the 10-yr?
Looking at a lock vs float situation on a $650k DSCR loan. The 10-yr Treasury has been moving 15-20bps a week. What is e
2 replies
598 views
SL
Best cash-flowing markets for DSCR loans right now - Q1 2026
Looking to expand my portfolio. Florida feels oversaturated. Anyone having success in the Midwest or Southeast?
2 replies
1680 views
NW
Does a DSCR lender check employment or W2s at all?
I have a full-time job but my income is inconsistent because I work on commission. Will that hurt my DSCR application?
1 replies
314 views
CF
LLC vs personal name for DSCR loan - what are the real tradeoffs?
My CPA says to always use an LLC. My lender says it adds complications. What have people here actually done?
2 replies
2109 views
PS
How much does credit score impact DSCR rate? Going from 680 to 720
My score is currently 683. If I wait 3 months to get to 720+, how much would I save on my rate? Is it worth delaying?
2 replies
476 views
JM
Airbnb income for DSCR - do lenders accept AirDNA projections?
Buying a cabin in Gatlinburg TN. No rental history yet. My agent told me DSCR lenders will use AirDNA market data to pro
3 replies
1340 views