DSCR cash-out underwriter
Deal inputs
Rental strategy
Affects which lender programs match.
Property type
5+ unit multifamily routes to different programs.
Property
$
$
$
New Loan
$
%
yrs
Quick LTV
Income
$
Monthly Expenses
$
$
$
$
DSCR lenders underwrite debt service against PITIA (principal, interest, taxes, insurance, HOA). Operating expenses affect your net cash-flow view but do not factor into the DSCR a lender will quote.
Underwriting readout
LiveDSCR
—
—
LTV
—
—
Monthly P&I
—
on new loan
Cash to you
—
—
Monthly ledger per month
| Gross rental revenue | — |
| Principal & interest | — |
| Property taxes | — |
| Insurance | — |
| HOA | — |
| Subtotal · PITIA | — |
| Operating expenses | — |
| Net monthly cash flow | — |
Cash-out math
New loan amount—
Existing mortgage payoff—
Estimated closing ≈ 2.5%—
Net cash to borrower—
Equity remaining after refi—
Lender matrix
| Lender | Min DSCR | Max LTV | Min FICO | Min Loan | Notes | Status |
|---|
* Strategy-specific floor applied (e.g., Lima One STR cash-out: 1.30 DSCR / 70% LTV / 700 FICO). † Floor inferred from industry norms — lender does not publicly disclose this number. Verified 2026-04-24
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- DSCR
- —
- LTV
- —
- Cash out
- —
- Match
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