Identify the exact factors that could prevent your deal from getting funded — before you approach a lender. Fix what's fixable. Walk away from what isn't.
When projected rental income doesn't adequately cover debt service. The most common reason DSCR loan applications are declined. The agent calculates your exact DSCR gap against lender minimums.
When the loan-to-value ratio exceeds what lenders will accept for the deal type. The agent identifies how much additional equity is needed to bring LTV within acceptable range.
When operating expenses plus debt service exceed gross rental income. Even with a passing DSCR, negative cash flow signals a structurally weak deal.
When the deal's characteristics don't fit available loan products cleanly — wrong property type for DSCR, too small for agency, too short-term for conventional.
Deals in high-vacancy markets, declining rent areas, or overheated purchase price zones receive additional risk flags that affect lender appetite.
For short-term loans (hard money, bridge), the agent evaluates whether the planned exit — sell, refinance, or rent-up — is achievable within the loan term.
Find out exactly what could prevent your deal from closing — and how to fix it.