I've included an example below to help illustrate this.So different lenders have different rates (which do vary even for DSCR loans) but these are factors they all consider.See example below:DSCR < 1Principal + Interest = $1,700Taxes = $350, Insurance = $100, Association Dues = $50Total PITIA = $2200Rent = $2000DSCR = Rent/PITIA = 2000/2200 = 0.91Since the DSCR is 0.91, we know the expenses are greater than the income of the property.DSCR >1Principal + Interest = $1,500Taxes = $250, Insurance = $100, Association Dues = $25Total PITIA = $1875 Rent = $2300DSCR = Rent/PITIA = 2300/1875 = 1.23DSCR lenders generally let you vest either individually or as an LLC.

I am responsible for designing HVAC/plumbing systems for commercial buildings.

I see the advantages with DSCR… in that unlike conventional mortgages which have a 10 property cap, and it becomes exponentially harder to purchase each time… DSCR allows you to build a portfolio.

I’m in Rochester, MI.I do have an acquaintance that was doing flips in Detroit and is now building a portfolio of long term rentals in Detroit. 

Elaborating further, as input: - percent vacancy- percent CapEx- maintenance and repairs- utilities- property managementAnd output the following:- cash flow- cash-on-cash return- and would be nice to have Net Operating Income and Cap RateIs there anything like that or is it better to build myself one?

I’ve been listening to the podcast for about four years now .I just decided to step it up and be active on the forms as well as upgraded to pro and I’ve been using the calculators on daily basis and it’s been amazing .I live in North Hollywood, California and I have four rental properties in Kansas City, Missouri.I am to grow my portfolio with cash, flowing assets and open for partnerships.I am a General contractor here in California, having a lot of experience with the building  procedures as well as good couple hundred thousand in cash ready to invest, looking for good opportunities, and tired of standing on the sidelines.Thank you for this awesome community!

My strategy for REI has been to build a portfolio directly purchasing and leasing real estate but at some point start to transition my funds into private lending others' opportunities and getting away from being the actual owner and manager of properties. 

To be fair they have done a very good job of managing their growth, building out their commercial areas, and having things to do there year round.  

The development will feature an Office Tower and Residential Tower, 30,000 Square Feet of Retail, and 1 acre of Green Outdoor Space.Once complete, this project will be the tallest building outside of the Uptown Central Business District.

Happy to be apart of this group of go-getters and individuals who are building brighter futures for themselves and their families.