America’s Loan Source Urges Investors to Check the Evidence Behind DSCR Inputs

Rental-property investors can start a business-purpose DSCR financing review by identifying the source of each rent and property input. Don McClain’s new commentary applies decision-ready preparation to non-owner-occupied, one-to-four-unit investment properties. Distinguish current leases and collections from market-rent estimates. Review unit count, occupancy, lease status and property-condition questions. Ask how the provider evaluates rent evidence and calculates its DSCR measure, since methods vary by program. Document tax and insurance assumptions. This discussion does not address consumer home loans.

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