Hi Christopher,These calculations are pretty standard on 1-4 Unit properties..Income/(Mortgage+Taxes+Insurance+HOA) = DSCR RatioHowever on commercial properties some lender may take into account vacancy, upkeep and other costs.

When he gets plastered, see if he will sign off on your situation.Joking, though only half so.

@Mat FisherMost programs are very expensive which is why it’s easier to pay a servicer $25-$35/month th manage that process and they will also do all the tax forms and handle escrow

Also- fix the scuff on the stairs in photo 7Overall well done, seems like you are off to a good start with your reviews and that you thought of all the small stuff

@Eran WithanaI recommend finding an accountant who specializes in real estate taxation, tax planning and financial planning.

Today I decided to stop putting it off and joined up.

Two other small pieces of advice that are gold, as far as I'm concerned:After you've covered the basics ask, "Is there anything you can tell me off the record?" 

Conversely you are assuming the risk of maintenance, cap ex expenditures, and rising costs like insurance, taxes etc.

Hi Carlo,As mentioned DSCR loans vary widely based off of numerous factors, credit, LTV, Prepay type, DSCR Ratio, just to name a few.However, I am seeing rates as low as 6.625% now on DSCR products in a perfect scenario.In scenarios with low credit scores, high LTV's and short prepays we can easily be in the 9's.When looking for a DSCR loan to fit your needs, I recommend getting in touch with someone who knows what they are doing to pencil the loan in your best interest.Glad to connect and get into more detail!

My specialty is building broker relationships and bringing quality off-market deal flow.