Video Transcript:
Most people think their personal salary is the only thing that matters for a loan. But with investment properties, the house’s cash flow actually matters more. I'm David Ghazaryan. I structure these deals by focusing on the property's numbers. Lenders need a clear calculation showing the property pays for itself easily. We use a simple ratio. If property rent is $4,200 and bills are $2,500, the score is strong. The small unit's rent makes it work. (Data may vary over time) But you can't just claim the rent amount. An appraiser must confirm it using a special form, comparing it to other rentals nearby to prove value. A critical rule is the extra unit must be legally permitted. If it’s not, its income counts as zero because of the huge safety and legal risks. This system creates powerful opportunities when you understand all the mechanics. For more details, see the full article and my social channels linked in the description.
Read Blog Here: https://www.iqratemortgages.com/blog/using-adu-rent-for-nevada-dscr-loans-a-complete-guide
