For those using DSCR loans, what assumptions are you stress-testing most — rent, taxes, insurance, or reserves?

Hi everyone,I’m Alivia, and I work with landlords and investors in Florida to make property ownership as stress-free as possible.

Hi everyone, I’m Alivia, and I work with landlords and investors in Florida to make property ownership as stress-free as possible.

If you have a few rentals and your budgets for expenses, vacancy, cap ex are working adding another unit isn't something you need to stress over "testing" because I always view my risk as being my portfolio as a whole not property by property. 

For landlords using DSCR loans, how are you stress-testing rent assumptions and expenses before locking financing?

Basically we saw the cash flow as a measure of decreased risk.

Stress test your budget without the ADU income.

The faster you can buy, fix, and sell, the less you pay in interest, holding costs, and stress.

For DSCR deals today, most disciplined landlords are underwriting to survive stress, not just qualify.

Since purchasing our home the value of the property has decreased.