What to prepare for a purchase
Prepare purchase price, target loan amount, rent support, taxes, insurance, HOA dues, property type, occupancy, reserves, and entity/title plans.
Run conservative DSCR assumptions before sending the scenario to a broker so the conversation starts with realistic cash flow.
- Purchase contract or target price
- Market rent or lease support
- Down payment and reserve plan
- Expected monthly debt service
How to compare purchase structures
Compare more than one loan amount and payment assumption. A lower purchase leverage may improve DSCR and available options, but it also changes cash-to-close.