1% of Million: The DSCR Rule That's Killing Your Deals Ep 381

You thought your DSCR hit 1.25, your credit was clean, and your cash in the bank was enough, but your lender still said you did not have the reserves to close. This episode breaks down the 1 percent of outstanding balance rule that DSCR lenders quietly apply to your entire portfolio, including your primary residence, and how that hidden requirement can stall or kill a deal when you are already deep into the process. You will learn how the reserve math really works, what counts as liquid, and the exact questions to ask your broker or lender so you are never blindsided by underwriting again. If it does not hit 1.25, it is not a deal. It is a donation.