Updated about 2 months ago on .
CRE Financing: DSCR-First, Bridge When Needed ($1M–$20M)
Most DSCR lenders are underwriting in-place rent, not pro forma, so even a strong deal can fail if income hasn't stabilized yet.
Before writing it off, I'd check whether the DSCR was calculated on actual leases vs. market comps — that alone changes outcomes.
If DSCR can't clear ~1.0 today but there's a clear stabilization plan, bridge is sometimes used short-term until income supports a refi.
Are the current rents backed by executed leases or projected increases?
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