ENTERING ORBIT…
ENTERING ORBIT…
Structure instrument
The most common save in DSCR lending: same property, same rate — a different payment structure flips the ratio over 1.0.
30-YR AMORTIZING
0.92
PAYMENT $2,548/MO
INTEREST-ONLY
1.01
PAYMENT $2,325/MO
The flip: IO turns a sub-1.0 decline into a 1.01approval — if the investor allows the IO payment in the ratio. That's a one-line guideline check.
Run the full scenario on the desk — freeEverything hinges on whether the investor qualifies on the IO payment or the fully amortizing payment after the IO period. Both answers exist in the market. Check the full DSCR calculator for the amortizing view, then let the desk name the investors that allow the flip.