📉 If you're a repeat DSCR borrower and your deal suddenly stopped working, it's probably not the property - it's the credit box.

DSCR lending tightened quietly.

Most lenders didn’t announce it.

But underwriting behavior changed.

What used to pass at ~1.10 DSCR often doesn't anymore, especially once lenders:

– Stress vacancy even on stabilized assets

– Normalize expenses instead of using historicals

– Underwrite taxes and insurance forward

– Add reserve and rate buffers

Same borrower. Same asset type. Different outcome.

🎥 We just published a short video explaining:

– Why DSCR approvals shifted without warning

– What assumptions lenders changed behind the scenes

– How to reframe older deal structures so they still fit today

This applies to DSCR loans, small multifamily portfolios, bridge-to-DSCR exits, and cash-out refis.

📌 Past approvals don’t carry forward.

📌 DSCR is cyclical, not static.

📩 DM us "SHIFT" and we'll tell you which DSCR lenders tightened - and how to reposition your deal so it still closes.