DSCR Insights
Real Deal Analysis & Loan Strategy — Real scenarios. Real numbers. No hype.
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→2If it passes — Get the DSCR Playbook
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Latest DSCR Insights
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Market Watch
NYC Rent Freeze DSCR: The Mortgage Coverage Gap
Key Takeaways The 7-1 vote is final. On June 25, 2026, the NYC Rent Guidelines Board voted to...
DSCR Underwriting Fundamentals NYC 3-Family vs 4-Family DSCR: The Real Tax Class Trap
Key Takeaways A 3-family is NYC Tax Class 1 (6% assessment ratio, ~1.2% effective rate). A 4-family is...
DSCR Underwriting Fundamentals LLC DSCR Loan vs Individual Name: The Critical Choice
Key Takeaways Both LLC and personal name vesting are compatible with DSCR loans; ~60% of DSCR lenders accept...
DSCR Underwriting Fundamentals No-Ratio DSCR Programs: The Smart Fix When DSCR Is 0.98
Key Takeaways A no-ratio DSCR program does not calculate or require a minimum DSCR — approval is based...
DSCR Underwriting Fundamentals SCR Stress Test: The Real 1.25 Standard Lenders Use
Key Takeaways DSCR lenders run three stress scenarios before approving any deal: rate stress (+1.0%), vacancy stress (10%),...
DSCR Underwriting Fundamentals DSCR LTV Down Payment: The Real Impact at 70% vs 75%
Key Takeaways Every 5% LTV reduction (~$48,750 more down on a $975K deal) adds ~0.06–0.07 DSCR points on...
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