In any case there is no taxable event yet.As far as your brother is concerned, it again depends on the nature of the transaction. 

As it is I paid for some calculator they were supposed to send me but for some reason they won't respond back to me so I thought that was odd in it self. 

I'm looking to dive in and learn so I've been just trying to practice underwriting lots of deal as best as I can to calculate the cash on cash returns and DSCR ratios. 

By accelerating your depreciation schedules, you reduce your taxable income which in turn increases your operating cash flow.

These deductions reduce your taxable income, which helps maximize your profits.Finally, real estate provides diversification for your investment portfolio.

VA (and conventional for that matter) will calculate all the above off your tax returns.

For calculators we have our own internal calculators

Much like alot of things in life it's all about taking action just have to make sure its calculated actions in this space. 

.- **Run the Numbers**: Use the BiggerPockets calculators to see how different loan options will affect your cash flow and overall investment.If you have more questions or need further guidance, feel free to ask.

I wouldn't call that a true "DSCR Loan" - especially considering that a ground-up construction property won't have any cash flow so DSCR would be negative or 0 numerator if you'd try to calculate it