DSCR 貸款：Reno 投資房可以主要看租金嗎？

示意：若 lender 認列的每月租金為 $2,400，而比較的每月 PITIA 支出為 $2,000，簡化比率為 1.20。PITIA 通常代表 principal、interest、taxes、insurance 與適用的 association dues。不同方案對支出、租金與最低 DSCR 的定義可能不同。

For illustration only, $2,400 of qualifying monthly rent divided by $2,000 of measured monthly PITIA equals 1.20. Lender underwriting may use different definitions, rental evidence and minimum requirements.

網路廣告上的 asking rent 不一定是 lender 用來審核的租金。實際租約、估價租金分析、物件種類、空置狀態、租期及個別方案規定都可能影響評估。請向貸款機構確認所需證明。

Listing rent is not automatically qualifying rent. Ask the lender what appraisal, lease, vacancy, rental-history or property documentation its specific program requires.

即使 DSCR 看似達標，仍需審核信用、頭期款、資產準備金、房屋估價、利率、貸款成數、房產種類、保險及其他條件。計算投資績效還要另外考慮維修、管理、空置、資本支出及其他持有成本。

A favorable example ratio is neither loan approval nor proof of positive cash flow. Mortgage eligibility and a complete investment budget are separate evaluations.

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MingChi Huang 黃明智 · Mortgage Loan Originator · NMLS #2663206 · Family Mortgage Inc. Mortgage services are separate from real estate brokerage and offered for Nevada transactions only. Borrowers may choose any lender. This page is general education, not a commitment to lend, rate quote, tax, legal, investment, or individualized lending advice.

貸款方案、核准標準及費用由實際承作機構依個案審核；本頁不保證核貸或收益。