Video Transcript:
Most people believe rental income just needs to cover the mortgage. That thinking is a structural flaw, causing many Dallas investment loans to fail immediately. I’m David Ghazaryan, and my team builds loans on the full number. We calculate principal, interest, taxes, and insurance, because lenders see this total cost. The rent number itself has a hidden rule that many people miss. A lender uses the lower amount between the current lease and the market value. Understanding this rent rule lets you target properties with untapped potential. You can buy based on the current low rent, knowing its true value later. Another hidden cost is HOA fees. These fees are added to your total monthly payment. A property that looks good can suddenly fail the lender’s test. This calculation has many moving parts; the full analysis is on my website. For ongoing structural insights, find my socials. All links are in the description.
Read Blog Here: https://www.iqratemortgages.com/blog/how-is-dscr-calculated-for-a-dallas-rental-loan
