Who might consider this option?
Real estate investors buying or refinancing an eligible rental property.
What we’ll talk through
The selected investor determines how rent and housing expenses are measured, along with property, credit, reserve and borrower requirements. Lease information and market-rent evidence may affect the analysis.
Costs and tradeoffs to compare
Compare financing costs, cash flow, reserves, entity requirements and any applicable prepayment terms. Do not assume the same DSCR calculation or threshold applies across investors.
Useful starting information
Bring what you have. This is a starting list for a conversation, not a final underwriting checklist.
- Property address, purchase or refinance details
- Available lease and rent information
- Ownership structure, available assets and investment experience
Can I use the same DSCR assumptions for every lender?
No. Rent methodology, expense treatment and eligibility depend on the program. We can review a property-specific scenario before quoting a financing structure.
Prepared for Mike Graves’s website · October 19, 2026. These introductory guides do not replace current program guidelines.
Keep exploring
Compare other loan paths · Condominium financing · Prepare for your conversation