Investor · Louisville, KY · Member since 2017 · 92 posts · 38 votes
3mo
I agree. I think DSCR loans force investors to focus on the fundamentals of the asset itself rather than leaning entirely on their personal income. If the property can't support the debt service with conservative assumptions, that's valuable information upfront. It shifts the mindset from "Can I buy this?" to "Should I buy this?" which is probably a healthier way to underwrite deals long term.