The DSCR Playbook
Every DSCR Academy course condensed into one document: what the loan is, which property qualifies, how the deal is structured, how entities and refinances and short-term rentals and portfolios are handled, and what closing actually looks like — plus the thirty terms that decide a file and the desk's current rate grid.
WHAT'S INSIDE
- 01DSCR fundamentalsWhat the loan is, how the ratio works, what it costs and what it needs.
- 02Qualifying the propertyWhich buildings work, which rent counts, and the two lines that sink ratios.
- 03Structuring the loanLeverage, interest-only, points, prepay and cash — how to shape the deal.
- 04Entities and guaranteesWho owns the property, who signs the note, and what the guaranty covers.
- 05Refinance playbooksRate-and-term or cash-out, seasoning, BRRRR, hard-money payoffs — and when to sit still.
- 06Short-term rentalsHow nightly income becomes qualifying income — and where the deal breaks.
- 07Portfolios and blanket loansFive doors and up: one note or many, rent rolls, releases and aggregate ratios.
- 08The closing processApplication to funding, in the order the desk actually works it.
- 09State guidesThe same loan, five different closing tables.
- 10The thirty most-used terms, from 98 in the glossary
- 11The rate grid and adjustments, with the effective date
Send me the Playbook
One field, one email. No call, no pitch.
Educational only — rates and terms in the Playbook are illustrative, not a quote and not a commitment to lend.