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The DSCR Investor Checklist
Most DSCR files stall on the same handful of missing items — rent documentation that doesn't match the program, entity paperwork sorted out too late, and reserves counted wrong. This is the one-page list of what to have ready before you apply.
It's not a brochure. It's the actual working list: what to gather, what underwriting will ask for that you won't expect, and the numbers to confirm before you're under contract instead of after.
What's on it
01
Borrower documents
What's actually required when tax returns aren't — ID, credit authorization, and the asset documentation that trips people up.
02
Rent documentation
What proves income for a long-term lease versus a short-term rental, and what to do when the property has no operating history yet.
03
Property details
The specifics that change program eligibility — unit count, condition, occupancy status at closing, and property type edge cases.
04
Entity and vesting
What's needed if you're closing in an LLC, and why deciding this late is one of the most common causes of a delayed closing.
05
Reserves and cash to close
How reserves are typically counted, which accounts commonly qualify, and the difference between cash to close and total funds verified.
06
Numbers to run first
The DSCR math, plus the expense lines investors routinely leave out when they estimate the payment themselves.
Get the checklist
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While you're here
Already have a property in mind?
Run its DSCR before you gather a single document. If the ratio doesn't work, the paperwork doesn't matter yet — and if it does, you can send the numbers straight over.