PM statements ≠ lender‑grade reporting (DSCR & T12 explained)

[Fatima Martin]

Many investors find out too late that property management statements don’t show what lenders actually underwrite.

For refinancing and DSCR loans, lenders focus on:

• NOI
• DSCR
• Trailing‑12‑Month (T12) performance

Monthly reporting that tracks these consistently makes refinancing much smoother.

If anyone wants, I’m offering a free DSCR check for one property to show how lenders see the numbers.