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.

I see firsthand how crucial it is for owners to stay vigilant and informed about how their rent is calculated—both during initial lease-ups and at the time of rent increases.I can’t believe this is happening, but I’m here to ensure you receive the rent you truly deserve. 

Have your realtor pull the tax records and you can see the difference between the SEV and Taxable value to do the calculation.

If you want to see the original booking length, you might need to look for a column like "nights_booked" (if it's included) or calculate it by combining "nights" and "m_nights_altered" values to get the initial booking duration.This setup allows you to track changes in bookings over time, which can be especially useful for analyzing trends in stay modifications.

Analyze properties using deal calculators and build a small team with a reliable real estate agent, contractor, and lender familiar with the Philly market.Good luck!