DSCR math is one lens for an investment property; it is not the same as complete underwriting.
Start with the ratio
Debt-service coverage compares qualifying property cash flow with debt service under defined assumptions. Document rent, vacancy, operating expenses, reserves, taxes, insurance, and the proposed payment.
Separate math from eligibility
Non-QM underwriting may also evaluate credit, liquidity, property condition, experience, title, entity structure, and lender overlays.
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