Brought to you by 7th Level Mortgage LLCApply Now 
Brought to you by 7th Level Mortgage LLCApply Now DSCR and investor mortgages guide
An investor mortgage worksheet compares accepted monthly rent with the payment basis required by the selected program.
An investor mortgage worksheet compares accepted monthly rent with the payment basis required by the selected program. This guide is educational. The applicable lender, VA or investor rules and the facts of your transaction control the outcome.
Do not assume advertised rent or gross short-term-rental receipts are qualifying rent. An investor may use an executed lease, an appraiser's market-rent schedule or another specified method. A vacant property's projected rent needs the same program-specific review.
Divide accepted rent by the payment components defined by the investor, often including principal and interest or an eligible interest-only payment, taxes, insurance and association dues. A $3,000 accepted rent divided by a $2,500 defined payment gives a 1.20 illustrative ratio. The program's threshold, credit, equity and reserves still determine whether a transaction may qualify.
Frequently asked question
No. The program ratio may exclude operating costs that matter to an investor's actual cash flow.
7th Level Mortgage LLC · NMLS #1003861. Programs and eligibility depend on qualification and current guidelines.