Updated 2 months ago on .
🏢 The 3 DSCR Math Games Lenders Don’t Fall For 🏢
🏢 DSCR loans look simple on paper. Plug in rent, plug in debt service, get a ratio. Easy. Until the lender's numbers come back… and your "safe" deal suddenly isn't so safe.
In this video, we break down three DSCR math games lenders see every day - and why they don't work.
📉 Lender DSCR is not spreadsheet DSCR
📊 Expense floors and normalized assumptions
⚖️ Vacancy, stress rates, and reality checks
Most denials don’t happen because a deal is bad. They happen because the model was built on investor math instead of credit math.
🔥 The difference is subtle. The consequences are not.
If you're structuring DSCR or bridge deals, this is the underwriting perspective you want to understand before you submit.
💬 DM us “MATH” and we’ll convert your model into lender math.
Phoenix Funded
[email protected]
786-431-2532
305-439-5911