The #1 DSCR Mistake That Kills Real Estate Deals Ep 373

On paper your DSCR is 1.25+, but the lender’s underwriter comes back with a ratio under 1.0 and your “perfect” deal dies right before closing. In this episode of Chasing Financial Freedom, Ryan DeMent breaks down how DSCR is really calculated—using conservative appraiser rent (1007), true PITI, and vacancy/expense assumptions—and why relying on hopeful rents and rough estimates keeps getting investors denied after they’ve already paid for inspections and appraisals. You’ll learn how to pull realistic rent comps, stress-test expenses, choose the right DSCR lender, and package your deal like a pro so you only pursue properties that will actually get funded instead of spreadsheet fantasies.