GCA Mortgage Forums | Mani Teja | Activity https://gcaforums.com/members/dscrcalculator/activity/ Activity feed for Mani Teja. Thu, 12 Nov 2026 13:11:21 +0000 https://buddypress.org/?v=3.7.1 en-US 30 hourly 2 fe96e49bcb625eca8b188d2c57f44d77 Mani Teja started the discussion How do you estimate DSCR for a rental property before making an offer? in the forum Investment Properties and DSCR Loans https://gcaforums.com/topic/how-do-you-estimate-dscr-for-a-rental-property-before-making-an-offer/ Tue, 20 Oct 2026 07:05:22 +0000 How do you estimate DSCR for a rental property before making an offer?

When you’re screening a rental property, how do you estimate its DSCR before you ever talk to a lender? I usually start with the rent, subtract taxes, insurance, maintenance and vacancy to get an NOI estimate, then divide by the annual debt service on the loan amount I’m considering. But lenders seem to calculate it differently — some use market… Read more

]]> ef62621afd4897b05b91f6b04d8ca77e Mani Teja started the discussion DSCR loan cash-out refinance — how do lenders treat short-term rental income? in the forum Investment Properties and DSCR Loans https://gcaforums.com/topic/dscr-loan-cash-out-refinance-how-do-lenders-treat-short-term-rental-income/ Sun, 18 Oct 2026 17:14:09 +0000 DSCR loan cash-out refinance — how do lenders treat short-term rental income?

I have a single-family home that has been operating as a short-term rental for about two years, and I am considering a DSCR cash-out refinance to buy another property. When lenders calculate the DSCR on a property like this, do they typically use the actual short-term rental income from the tax returns, or do they switch to a long-term market… Read more

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