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Updated over 4 years ago on . Most recent reply

Kevin Davis's profile image
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Kevin Davis
  • Member since Aug 14, 2018
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Kevin Davis
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General Landlording & Rental Properties

DSCR vs Pro Forma acquiring commercial Loan

Kevin Davis
Posted

Tried to search but didn't find anything with my current situation.

Trying to acquire a commercial loan with the bank and they need a minimum requirement of 1.25 DSCR. Late 2019 I started renovations on two of the properties and just finished a month ago. Due to vacancy and cost of renovations the DSCR fell below the 1.25 requirement. With the units being full ATM the pro forma financials will push the DSCR well above 1.25.

How much weight does the pro forma put in if the current DSCR is not that great.

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