Your Rental Makes Money—But Can It Survive a Bad Month?
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Your Rental Makes Money—But Can It Survive a Bad Month?
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A deal can look profitable, get lender approval, and still trap us when a normal month gets inconvenient. We break down DSCR buffers, stress testing, and the real underwriting questions that keep one bad month from turning into a financial crisis.
• DSCR buffer as the gap between lender pass and investor safety
• why 1.25 DSCR is a framework, not a law
• lender-acceptable vs investor-safe underwriting assumptions
• converting scheduled rent into collected income with vacancy and credit loss
• adding real ownership costs like management and replacement reserves
• using base, moderate stress, and severe cases to find the boundary
• backing into price by calculating the debt DSCR can support
• separating DSCR from liquidity and planning operating and capital reserves
• verifying income, expenses, and loan terms before making an offer
• calculating breakeven occupancy and testing year two and year five
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