Browse the guides
How Short-Term Rental Income Is Calculated
The 12-month average, extraordinary expense factor and documentation rules.
ADU Rental Income
Start with legal unit classification and program-specific income review.
Financing a 5–8 Unit Building
Rent rolls, vacancy limits, investor experience and commercial appraisal review.
Business-Purpose Loans Explained
Understand occupancy, proceeds, entity vesting and guaranties.
How to Get a DSCR Loan
The 8-step playbook for closing a DSCR loan — from FICO check and rent analysis through underwriting and closing in 15-21 days.
How to Qualify for a Bank Statement Loan
The 7-step playbook for self-employed borrowers — personal vs business statements, expense-ratio methods, and how qualifying income is actually calculated.
Down Payment Requirements by Loan Program
Side-by-side comparison of minimum down payments across DSCR Standard, DSCR Foreign National, multi-unit, and Prime Time bank-statement programs.
How to Calculate Your DSCR
The DSCR formula explained with three worked examples — including the short-term rental variant (gross rents × 0.80) and what happens when your DSCR is below 1.00.
