SFR / DSCR Underwriting · 2026 Guidelines · Under 2 Minutes

SFR & DSCR Rental Underwriting — Single-Family Investment Analysis

DSCR, STR, LTR, and BRRRR analysis for single-family investors and flippers.

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Single-family investing is a numbers game, and the numbers need to be right on the first pass. AssetForge Underwriter runs SFR deals — long-term rentals, short-term rentals, DSCR loans, and BRRRR conversions — with the same rigor institutional lenders apply. Drop in a property photo, the purchase price, and a rent estimate and get a full 15-page analysis back in under two minutes.

The report covers DSCR at multiple loan scenarios (typical DSCR lender terms), cash-on-cash ROI, cap rate, 5-year cash flow projection, and whether the rent supports the price at current DSCR lender guidelines (1.00× to 1.25× depending on program).

Underwriting Benchmarks

SFR / DSCR Metrics We Check Every Time

1.00×–1.25×
Min DSCR
Varies by lender
75–80%
Max LTV (DSCR)
Purchase / rate-term
6–8%
Target cap rate
Market-dependent
8–12%
Target cash-on-cash
Value-add SFR
Built For This Asset Class

What You Get in a SFR / DSCR Report

DSCR loan scenario modeling

Models 1.00×, 1.10×, and 1.25× DSCR programs — tells you the max LTV you'll actually hit at each tier.

STR vs LTR break-even

If you're weighing short-term versus long-term rental, the report runs both pro formas side-by-side with realistic STR expense ratios.

BRRRR refi math

Rehab budget + ARV + refinance at 75% LTV — does the cash-out cover the all-in cost? The report shows you in one page.

Rent comp validation

Stress-tests whether the listed rent is achievable against market comps — and flags if the proforma rent is aggressive.

FAQ

SFR / DSCR Underwriting Questions

Does AssetForge do short-term rental (STR / Airbnb) underwriting?

Yes. STR deals are modeled with higher expense ratios (cleaning, platform fees, furnishings), seasonal revenue, and a stress-test for occupancy shortfall. The report tells you what LTR rent you'd need if STR regulations change.

Can I run a BRRRR?

Yes — input the rehab budget and estimated ARV and the report walks through acquisition, rehab, refi, and ongoing cash flow. It tells you the real all-in cost and whether the refi cashes you out.

Is this useful for flips (not rentals)?

Partially. The analysis focuses on rental underwriting. For flips you'll still want a separate rehab budget and ARV comp review, but the report covers the stabilized-rental fallback scenario in case the flip doesn't sell.

Analyze Your SFR / DSCR Deal
In Under 2 Minutes

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AI-generated informational analysis only — not financial, legal, lending, or appraisal advice. Not a substitute for a licensed MAI-certified appraisal or professional due diligence. All figures, projections, and market estimates must be independently verified by qualified professionals before any capital decision is made.