But as soon as the market starts to loosen, deal flow increases and investment sentiment is less sour, a whole new batch of people will be back on these forums and elsewhere pitching how their 12 months of loan underwriting, and a few blog posts about how you calculate cap rates, qualify them to try to raise millions in investor capital.

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

For market pricing, I collect LTR data from BP rent calculator and multiply by 1.5x.

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

CoCR is only calculated in the first year of ownership. 

We will calculate that plus any other debts to be under 50% DTI.

Do you increase the rent by strictly calculating the increases in your insurance, taxes and etc ?

Bookkeeping when it comes to real estate investments can get tricky.I often find the following mistakes occur1) They fully write off the mortgage payment when in reality the mortgage payment is broken down into Interest, principal paydown and an increase into the escrow account.2) If the property is managed by a PM company, do not factor in the PM Statement3) do not calculate depreciation expenseBest of luck in your search for a proper bookkeper.

Some quick heloc calculations I could be approved for maybe 150k. with 8.35% rate 20 year repayment = $1287 bill.

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