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Posts by Anam Ahsan

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About Anam Ahsan
I’m Anam Ahsan, a dedicated financial writer specializing in the loan industry. My background in finance and accounting has equipped me with a solid foundation to dissect and demystify the intricacies of various loan products. My goal is to make complex financial concepts accessible and understandable, whether you're a seasoned professional or someone new to the world of loans.
Calculate DSCR in Excel
Posted inResources and FAQS

How to Calculate DSCR in Excel: A Beginner’s Guide

Learn how to calculate DSCR in Excel with this beginner-friendly tutorial: Enter financial data: Net Operating Income and Total Debt Service. Use the formula: =A2/B2. Apply the formula to other…
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Posted by Anam Ahsan July 30, 2024
Key Differences Between DSCR and ICR
Posted inResources and FAQS

DSCR vs ICR: Master These Key Ratios to Unlock Financial Success

Financial ratios DSCR and ICR assess debt risk. Calculate DSCR using EBITDA for total debt coverage (aim for >1.25); crucial in capital-intensive industries. ICR uses EBIT for interest coverage (target…
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Posted by Anam Ahsan July 29, 2024
Minimum DSCR for Bank Loan
Posted inResources and FAQS

Minimum DSCR for Bank Loan: Requirements, Calculation, and Improvement Strategies

The minimum DSCR for bank loans varies by loan type. Commercial real estate: typically 1.25 Small business: 1.15-1.35 Corporate: 1.5-2.0 DSCR measures a borrower's ability to repay loans. To improve…
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Posted by Anam Ahsan July 25, 2024
DSCR 1.25
Posted inResources and FAQS

What does a DSCR of 1.25 mean?

A DSCR of 1.25 means a borrower has $1.25 in income for every $1 of debt payments. This ratio is crucial for lenders assessing loan risk. A 1.25 DSCR indicates…
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Posted by Anam Ahsan July 25, 2024
DSCR Loan Akron
Posted inResidential DSCR Loans

DSCR Loans Akron: Invest with Property Income, Not W-2s

DSCR loans in Akron allow real estate investors to qualify based on property income, not personal finances. Benefits include easier qualification, flexibility for multiple properties, and higher loan amounts. Key…
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Posted by Anam Ahsan July 25, 2024
California DSCR Loans
Posted inMixed-Use DSCR Loans

California DSCR Loans: Low Rates & Flexible Requirements for Investors

DSCR loans in California offer investment property financing based on rental income potential. Requirements include 620+ credit score, 20-25% down payment, and 1.0+ DSCR. Rates range from 5.5-8% (2024). Benefits:…
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Posted by Anam Ahsan July 23, 2024
dscr loan georgia
Posted inResidential DSCR Loans

DSCR Loans in Georgia: Requirements, Rates, and Top Lenders

DSCR loans in Georgia offer flexible financing for real estate investors. Key points: Focuses on property cash flow, not personal income Typical requirements: 20-25% down, 640+ credit score Rates vary,…
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Posted by Anam Ahsan July 22, 2024
dscr loan texas
Posted inCommercial DSCR Loans

DSCR Loans in Texas: Requirements, Pros & Cons for Investors

DSCR loans in Texas are investment property mortgages based on property income, not personal income. Key features: 20-25% down payment typically required Minimum 1.25 DSCR ratio Credit score 620+ often…
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Posted by Anam Ahsan July 21, 2024
DSCR Loan Florida
Posted inResidential DSCR Loans

Get Low-Rate DSCR Loans for Florida Investment Properties

DSCR Loan Florida: Your Gateway to Real Estate Investment Success Easy qualification based on property income, not personal income. Rates may be higher than traditional mortgages. Available for rentals, multi-family,…
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Posted by Anam Ahsan July 21, 2024
LTV Loan
Posted inResources and FAQS

What is LTV Loan? Complete Guide of Loan-to-Value Ratio in 2024

LTV (Loan-to-Value) ratio is a key metric in lending, calculated as (Loan Amount / Asset Value) x 100%. Lower LTV often means better loan terms and interest rates. It affects…
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Posted by Anam Ahsan July 18, 2024

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