Debt Service Coverage Ratio (DSCR) loans, which are popular for investors, may see changes that limit their accessibility.

I already have an investment analysis workbook built that tells me everything I need to know to make a purchase decision, NOI, COC, ROI, and if the property will achieve the appropriate coverage ratio to be funded. 

I also require the tenant to have renters insurance with liability coverage for me and them.

Most lenders will also look at debt coverage ratio which limits leverage at this time due to higher interest rates.

It willapply to the other 4 coverages.

Any impending Insurance coverage or increases?

One powerful tool that can help investors secure better loan terms is asset utilization—especially when the DSCR (Debt-Service Coverage Ratio) is under 1.🔹 How It Works:If your rental income falls short of covering your mortgage (PITI), you can use liquid assets to supplement your income.

If your insurance coverage isn't enough, they could seize the LLC assets, but not your personal assets.Additional thoughts:1.

I usually describe DSCR loans like a see-saw (or teeter-totter)...as one side goes up (the LTV), the other side goes down (the Debt Service Coverage ratio).

I understand that it gives you more coverage and it better if you are transfering RE from someone that you don't know... but in my case I will be transferring from myself to my LLC.Some good answers here: https://www.youtube.com/watch?