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Articles about DSCR


Commercial | October 2018 
Protect Your Clients’ Profits
Anyone advocating for a commercial real estate borrower — especially mortgage brokers and lenders who influence the front end of a loan scenario — should be aware of some common misconceptions about c...
By Ann Hambly, founder and CEO, 1st Service Solutions

Commercial | December 2005 
Gunning for Quality Full-Docs
Since the advent of stated-income/stated-asset (SISA) loans, brokers and borrowers have enjoyed a streamlined approval process for small-balance ($100,000 to $1 million) commercial loans. ...
By Mark Condello, president, Atlantic Capital Funding LLC

Commercial | October 2005 
Checklist for Mortgage Brokers
Mortgage brokers who educate their clients about the lending process provide a great service by letting their clients know what to expect. A borrower can better choose a lender by underst...
By William Jones, broker and partner, San Diego Lending Inc.

Commercial | July 2006 
Low DSCR? No Problem
Many borrowers and brokers focus on the maximum loan to value (LTV) they can get for their multifamily and commercial properties. The debt-service-coverage ratio (DSCR), however, is as important as ...
By Kim Daugherty, senior account executive, KC Capital

Commercial | April 2006 
Be Creative
As a mortgage broker, it is vital to know what to do when a good “nonbankable” commercial loan falls into your lap. Creative, or nontraditional, lenders that specialize in such loans require less d...
By John Taxiarchos, chief executive officer, World Capital Bancorp

Residential | December 2006 
Solutions to Common Commercial Problems
As a mortgage broker, you know that understanding financing options is critical to closing deals. This is especially true when you’re working with commercial deals, which tend to be more complex tha...
By Ronen Abergel, director, Arbor Commercial Mortgage LLC

Commercial | August 2007 
Financing Facts
Recent statistics show that only one in 20 commercial loan applications actually make it to closing and ultimately get funded. There are many reasons why a lender would reject a loan application, bu...
By Tony Vo, vice president of capital relations, The VEC Financial Group

Commercial | July 2007 
Maximize the Loan
The landscape for commercial mortgage lending continues to evolve. From stated-income to owner-user, high loan to value (LTV) to negative debt-service-coverage ratio (DSCR), today’s commercial loan ...
By Jeffrey Pirhalla, president, Woodland Hills Capital

Commercial | February 2007 
Prequalify Properly
Being preoccupied with factors such as credit scores and loan to value (LTV) causes many new commercial brokers to prequalify their loans improperly. This results in more loan fallout. With the sign...
By Kevin Robbins, president, Baypoint Financial Services

Residential | August 2008 
Screen Your Commercial Deals
Brokering commercial mortgages certainly has its perks. It is generally viewed as a prestigious profession, and brokers tend to deal with sophisticated borrowers on most transactions. The income pot...
By Jeff Rauth, vice president of business development, Celtic Bank

Residential | June 2008 
Step up to the Challenge
Many people consider commercial mortgages a savior for an anemic residential mortgage industry. What they often fail to mention, however, is that the transition to commercial lending is c...
By Pablo Oliva, director of commercial real estate finance, New Age Capital

Commercial | April 2008 
Getting to Know DSCR
If you are a new broker or a veteran looking to polish your skills, it’s important to know the ins and outs of one of the fundamental aspects of qualifying commercial buyers: the debt-service-covera...
By Rishard Brown, account executive, MetWest Commercial Lender

Commercial | March 2009 
Give Small-Balance Clients Big Choices
As the commercial market maintains some momentum, new brokers continue to enter the field. Often, these brokers start with clients who seek small commercial projects instead of large-scale developme...
By Joy Hunner, executive vice president of GEM Commercial Lending, Golden Equity Mortgage Corp.

Commercial | August 2014 
Fund Troubled Assets Without the Stress
Who doesn’t want to find a great deal on a distressed property? Mortgage professionals and their clients search extensively for the perfect combination of location and, in the case of commercial real ...
By Anita Huedepohl, founder and CEO, Liberty Funding

Commercial | June 2014 
Commercial Lenders Find a Residential Loophole
Thanks to the implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act and the ability-to-repay rule’s qualified mortgage (QM) provision for residential loans, a unique opport...
By Rob Diodato, president, York Commercial Finance


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