Use this educational planning tool to compare two common coverage views: rent divided by monthly housing expense, and NOI divided by annual debt service. Each lender defines eligible rent, expenses, reserves, and minimum ratios differently.
Enter your assumptions and review both coverage ratios. The result is an educational estimate—not approval, a loan commitment, or a lender underwriting decision. Change the expense assumptions to see how the property responds.
“Roland modeled the renovation budget before I put in an offer — not a ballpark, actual line items. His renovation number was within $3,200 of final actual cost on a $210,000 rehab. That precision changes how you underwrite a deal.”
“Roland understood the T6-8 zoning and what we could actually build on the site before we closed. He identified two open code violations and had the seller close them as conditions of sale. Nobody else was doing that level of work.”
“I’ve done 14 deals. Roland is the first agent who told me which renovations would move the rent versus which ones were just spending money. That GC lens is irreplaceable for value-add investing.”
Roland walks the property, verifies rent potential per unit, and builds the rent projection your DSCR lender will accept. Zero cost on buyer representation.
Calculator next-step guidance. Use the numbers as a starting point. Roland can help you understand what should be verified by a lender, insurance agent, CPA, inspector, or other professional before you decide.
Roland evaluates every South Florida investment property against DSCR requirements before you make an offer. GC assessment included. Free consultation.
House hacking starts with an FHA loan — no DSCR required. Roland has helped first-time buyers access up to $80K in Miami-Dade DPA to get their first property.
