Rates went up and DSCR ratios got squeezed. Same house, same rent, same rate: $124 a month of amortization was the difference between a declined 0.96 DSCR and a funded deal. Here's how the 40 year DSCR program works and what kills these deals.
I structure both blanket and single DSCR loans for investors. Here is how the two actually compare on LTV, fees, and flexibility for scaling a portfolio.


