Model offset, add-back, or dimming strategies to qualify rental income.
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Quantify rental income contribution and effective debt service for investor deals.
Estimate how rental income affects qualification and debt ratios.
Use it to model rental offsets and total borrowing power.
Duplex rental
Model owner-occupied plus rental income offsets.
Full rental property
Estimate qualifying income using typical lender offsets.
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No. Offsets vary by lender and property type.
Some lenders use DSCR for investors. Use the DSCR calculator as well.
Some lenders accept market rent appraisals, but not all.