Most lenders require proof of someone else paying the note for around 9-12 months so that the debt isn't counted in their DTI calculation.

BiggerPockets also has a calculator to analyze deals, and I highly recommend you start this as soon as possible, even if you are not ready to buy.

Here's a bit more in detail about how rates are calculated for DSCR loans:1.

We’re looking for Excel models to compare these options and calculate potential net worth in both scenarios.

BiggerPockets also has a calculator to analyze deals, and I highly recommend you start this as soon as possible, even if you are not ready to buy.

@David Sam Cost segregation can benefit a property under $400K by accelerating depreciation to offset taxable income, especially if you qualify as a real estate professional or use the short-term rental loophole.

For flips, calculate the after-repair value (ARV) and subtract purchase, rehab, holding, and selling costs.Pay attention to location, rental demand, and the property’s condition.

Not all lenders are well-versed in these calculations.

BiggerPockets also has a calculator to analyze deals, and I highly recommend you start this as soon as possible, even if you are not ready to buy.

A good baseline is to calculate material costs (e.g., $300 for paint and supplies) and add a fair hourly rate for labor.