Guides
Each guide opens with a short answer, then shows the work. Every one pairs with a calculator so you can run the example with your own numbers.
How DSCR Is Calculated, Line by Line
A line-by-line walkthrough of the debt service coverage ratio for rental property loans: which rent figure is used, what goes in the payment, and where calculations go wrong.
Read guide →7 min readDSCR vs. Cash Flow: Why a Property Can Pass One Test and Fail the Other
Why a rental can qualify on DSCR and still lose money, how to build a real cash-flow model alongside the ratio, and which expenses DSCR leaves out.
Read guide →7 min readSizing a DSCR Loan Backward, Starting From Rent
Work backward from market rent to the largest loan a rental supports at your target DSCR, then check it against leverage limits. Includes the formula and a worked example.
Read guide →8 min readModeling Short-Term Rental Income for a DSCR Review
How short-term rental income is measured for DSCR financing, why seasonality matters, and how to build a three-season model that holds up to review.
Read guide →7 min readCash-Out Refinance Math for Rental Owners
How much cash a rental can release in a DSCR cash-out refinance: the leverage test, the coverage test, closing costs, seasoning and the numbers to check before you apply.
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