All Forum Posts by: Brandon Croucier

Hi Christopher,

These calculations are pretty standard on 1-4 Unit properties..
Income/(Mortgage+Taxes+Insurance+HOA) = DSCR Ratio

However on commercial properties some lender may take into account vacancy, upkeep and other costs.

DSCR can allow ADU's on a SFR. Let's connect, would love to get into the details and see what I can work up for you! Just PM'd you.

Working on something similar now.

Zoning>Usage

This will be classified as a commercial property, therefore we need to lend on it as a commercial property. The terms aren't as attractive, but sometimes you have to take what you can get.

Get on the phones, you'll know who knows what they are talking about when you run a scenario by them..

Glad to connect.

Just PM'd you!

Glad to connect and see if I can help you out

Hi Rashad,

Happy to connect and see what financing would be best for your section 8 rental business.

Hi Carlo,

As mentioned DSCR loans vary widely based off of numerous factors, credit, LTV, Prepay type, DSCR Ratio, just to name a few.

However, I am seeing rates as low as 6.625% now on DSCR products in a perfect scenario.

In scenarios with low credit scores, high LTV's and short prepays we can easily be in the 9's.

When looking for a DSCR loan to fit your needs, I recommend getting in touch with someone who knows what they are doing to pencil the loan in your best interest.

Glad to connect and get into more detail!

It wouldn't hurt checking out a DSCR loan as these rates are beating conventional products in a lot of cases right now. Would love to connect!

Hi Sartaj,

I would love to connect and see if it's a fit, I do a lot of commercial nowadays.