This Loophole Funds Your Vacant Property

July 6, 2026

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David Ghazaryan

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TL;DR

This guide explains how investors can use DSCR loans to finance properties that are not fully occupied. These loans are ideal because they qualify based on the property's income potential rather than the buyer's personal finances.

Income Calculation: For a partially vacant property, lenders combine the actual rent from occupied units with projected rent for vacant ones. This projection is not a guess; it is formally determined by a licensed appraiser.
Appraisal Process: The key document is a 'pro forma' rental schedule, often part of an official appraisal report like Form 1025. An appraiser establishes a fair market rent by analyzing comparable local rentals, property characteristics, and market trends.
Renovation Requirements: If a vacant unit needs repairs to be rent-ready, lenders will require detailed and professional contractor bids. This proves the investor has a viable plan and budget to make the unit income-producing.

Read the full blog article here: https://www.iqratemortgages.com/blog/dscr-loan-for-a-partially-rented-duplex-in-california

Video Transcript:

An empty unit looks like a problem for your loan. I am David Ghazaryan; I make the vacant unit count. We use an appraiser's report for the future rent value. This lets us finance the purchase and also the repairs. Lenders will require you to hold more cash for safety. Follow my platforms, see the full breakdown in the description.

Read Blog Here: https://www.iqratemortgages.com/blog/dscr-loan-for-a-partially-rented-duplex-in-california

David Ghazaryan

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