Look beyond the headline ratio
Rental assumptions, operating expenses, vacancy, insurance and reserves all belong in the conversation. DSCR is one part of some lender programs; it is not a promise of approval or profitability.
The Legends Mortgage Team
Start with the property. See the full picture.
Rental property, renovation or a future project: begin with the business plan and the property facts, then explore the financing.
Know the strategy and the exit
Compare long-term rental financing with renovation or construction needs. Entity ownership, property use, cash available and planned exit can change the review.
Confirm the jurisdiction
Business-purpose lending is not automatically available in every state. The property, borrower or entity, purpose, lender, company and individual licensing context must be reviewed for the transaction.