DISCLAIMER PLACEMENT FIX + INVESTMENT ADVICE REFRAME:

Add this disclaimer immediately after the opening excerpt and before 'What DSCR Actually Measures':

---

Important: This article is for informational purposes only and does not constitute financial, investment, or lending advice. DSCR loan terms, rates, and qualification criteria vary by lender and market conditions. Consult a licensed mortgage professional, financial advisor, or real estate attorney before making any lending or investment decisions.

---

REVISED Worked Example 1 final section (replace the last two paragraphs):

This property does not qualify at a lender requiring 1.20. The investor is 0.035 points short. To reach 1.20, the property would need $2,934.74 in monthly rent, or the investor could consider bringing additional cash to closing to reduce the loan balance and lower the P&I payment.

You Might Also Like

• Hard Money Loan True Cost: What Real Estate Investors Actually Pay
• 1031 Exchange Timeline and Replacement Rules: The Exact Calculations You Need
• How to Calculate After-Repair Value on a Fixer-Upper (And Why Most Investors Get It Wrong)
• How to Calculate Airbnb Income Potential Before You Buy the Property

For illustration: if the investor contributed an additional $15,000 at closing, the loan would drop to $266,250. The new P&I at 7.625% would be $1,879.56. New PITIA would total $2,339.56. DSCR would become $2,850 / $2,339.56 = 1.218, qualifying at the 1.20 threshold. Understanding this trade-off between down payment and qualification is valuable before submitting an application.