TerraKey Real Estate — Sales | Property Management

Rental & DSCR Analysis | Análisis de Renta y DSCR

Cash-flow modeling • Rent comps • Value-add strategies
TerraKey Real Estate • DRE #02077489 • 661-472-7746

Rental & DSCR Analysis

We help investors evaluate rental properties using cash-flow modeling, rent comparables, and loan strategy. Our goal is to determine whether a property supports your investment goals before you buy.

A major part of this analysis is understanding the difference between DSCR loans, conventional investment loans, and owner-occupied strategies.


Análisis de Renta y DSCR

Ayudamos a inversionistas a evaluar propiedades de renta mediante flujo de efectivo, comparación de rentas y estrategia de financiamiento. El objetivo es saber si una propiedad funciona financieramente antes de comprar.

DSCR

DSCR Loans

DSCR loans qualify the property based on rental income, not personal income. Lenders measure whether rent covers the mortgage payment.

Best for: Rentals, multi-units, self-employed investors, portfolio growth.

Conventional

Conventional Investment Loans

Based on personal income, credit, and DTI. Usually lower rates, but limits how many properties you can finance.

House Hack

FHA / VA (Owner-Occupied)

Designed for buyers living in the property. Can be used on 2–4 units when occupying one unit.

DSCR Example (Real Numbers)

Purchase Price: $500,000
Down Payment: 25% ($125,000)
Loan Amount: $375,000
Monthly Mortgage (PITI): $2,400
Monthly Rent: $3,000

DSCR Calculation:
$3,000 ÷ $2,400 = 1.25 DSCR

Most DSCR lenders look for 1.00–1.25+. This property qualifies because the rent covers the mortgage.

Rental Cash-Flow Calculator

Investor Strategy Session | Sesión Para Inversionistas

Buying rentals without numbers can be costly. We help investors understand cash flow, financing options, and value-add potential before making an offer.

Ideal for:
• First-time investors
• DSCR buyers
• Multi-unit buyers
• Portfolio expansion

Contact TerraKey Real Estate

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661-472-7746mario@terrakeyrealestate.com
TerraKey Real Estate
DRE #02077489
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TerraKey Real Estate — Sales | Property Management
Equal Housing Opportunity
TerraKey Real Estate — Sales | Property Management, proudly serving Shafter, Bakersfield and Kern County.
TerraKey Real Estate • DRE #02077489 • 406 Central Ave, Shafter, CA 93263
Phone: 661-472-7746 • Email: mario@terrakeyrealestate.com

All information deemed reliable but not guaranteed. Equal Housing Opportunity. This site is not the official California DRE website and does not provide legal advice.
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