Some lenders compare this to only the actual mortgage payment and some include an expense factor.

DSCR loans require upfront work to calcuate multiple factors based on either the PITI or the ITI and know your ratios up front. 

So all in I am at $240,300 , hard money I am factoring in as 15% rate and since I’m borrowing 840k for let’s say 6 months , I’m factoring in hard money costs at 63k for 6 months So now all in I’m at $303,300 ARV should be at least $1.3 million (conservatively) I would cash out refi with a dscr loan and get back 975k , I would pay the $840k I owe to the hard money lenders , leaving me with 135k , and I would pay myself back with that money , and since I would have $303,300 invested , I would pay back 135k to myself leaving me with $168k invested in the house with a equity position of $325k , the actual house number are such after the cash out refinance: This house has 2 units and 3 accessory units Mortgage : $7100Heloc payment : $1300Total = $8400Live in 1st floor Rental income 2nd floor : $30003rd floor: $1500Accessory unit 1 :1200Accessory unit 2 $1200Income : $6900 Net : negative $1200I also already have a house that’s breaking even , but I’m living in one unit and if I move out that house would become positive $1500 which I can put toward the payment of one of the other houses .

Here are some factors to be considered.Interconnection - This is a very deep topic and biggest risk to the project.

View report*This link comes directly from our calculators, based on information input by the member who posted.Looking for a bit of assistance on this not sure if i calculated the holding cost correctly  and other factor.

Factor in those costs (usually 8-10% of rent) when you're running your numbers.You mentioned the challenge of acting quickly on properties while managing your dental practice.

So when you look at W-2 earners pay stub you can factor in about 30% more in benefits over the pay.  

While minor drips or small stains may be considered normal wear and tear, a large and excessive oil stain that requires significant cleaning effort or solvent treatment goes beyond that.

More seasoned investors, who have a better grasp of external factors and market dynamics, find C areas more appealing due to their higher potential for cash flow and equity returns, albeit at a higher risk that requires greater expertise and understanding.

@Felicia WestWhen choosing a down payment for a traditional mortgage, consider factors like risk tolerance, scale, and financial goals.