This criteria is for 1-4 and 5-8 unit programs.I've included an example below to help illustrate this.So different lenders have different rates (which do vary even for DSCR loans) but these are factors they all consider.See example below:DSCR < 1Principal + Interest = $1,700Taxes = $350, Insurance = $100, Association Dues = $50Total PITIA = $2200Rent = $2000DSCR = Rent/PITIA = 2000/2200 = 0.91Since the DSCR is 0.91, we know the expenses are greater than the income of the property.DSCR >1Principal + Interest = $1,500Taxes = $250, Insurance = $100, Association Dues = $25Total PITIA = $1875 Rent = $2300DSCR = Rent/PITIA = 2300/1875 = 1.23If a purchase, you also generally need reserves / savings to show you have 3-6 month payments of PITIA (principal / interest (mortgage payment), property taxes and insurance and HOA (if applicable).

Hard money financing 10% down How did you add value to the deal?

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With only putting 13K down and netting over $650/month I made my money back in about 20 months - I still own the property and it rents for $1,250 currently.

This typically costs money, maybe $.02 -.10 per record.

hard money is a great tool for first time ground up construction 

Depends on whether or not you can make money on it.

Because you have more money than others  to bid and freeze now - you won, but rest of funds you can claim back later.

Years later you have a great location worth a lot of money. 

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