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Why DSCR Fits Chicago Two to Four Flats After Renovation Chicago investors who specialize in two to four flats want lending that reads like an operating statement, not a personal budget. Debt service coverage ratio lending does exactly that by sizing the loan from net operating income instead of the borrower’s personal debt to income. When you reposition vintage brick walk ups with fresh systems and durable finishes, DSCR lets you capture the real earning power of your renova

Why DSCR Works For Condo Investors In Los Angeles Los Angeles condo investors need financing that recognizes the actual way a unit earns its keep. Debt service coverage ratio lending focuses on the property’s income and expenses to size the loan, rather than the borrower’s personal debt to income. That lens is useful in high HOA buildings because the monthly association dues, special assessments, and the master insurance program all flow directly into net operating income. Th

Why DSCR Fits NYC Rent Stabilized Small Multifamily New York City investors working with rent stabilized walk ups and small mixed use over retail need financing that reads properties like operating businesses. Debt service coverage ratio lending, or DSCR, does that by sizing the loan primarily from property income instead of relying on the borrower’s personal debt to income. The underwriting question is simple. Does net operating income safely cover principal, interest, taxes