Carolinas Investor DSCR, Short-Term Rental & Duplex Blanket Deal Analyzer
Underwrite 1–4 unit long-term rentals, Lake Keowee / Blue Ridge Airbnbs (STRs), and 2–25+ property portfolio blankets off property cash flow (`Gross Rent / PITIA`)—with no personal tax returns, W-2s, or personal DTI bottlenecks.
Comparing a single Portfolio Blanket note vs. standalone DSCR loans on multiple duplexes? Print your deal sheet or request a side-by-side soft quote.
The Property-First Cash-Flow Underwriting Matrix — How Carolina Real Estate Investors Qualify 1–4 Unit Rentals, Airbnbs & Duplex Blankets Off Property Cash Flow
1. Rental Property & Loan Inputs
Note: Lender DSCR (`Gross Rent / PITIA`) does NOT deduct property management, maintenance, or vacancy, though we show both Lender DSCR and Net Investor Cash Flow below.
2. Automatic DSCR Tier & Structure Placement
| Investor Program Bucket | Min DSCR | Typical Max LTV | Your Deal Status | Key Underwriting Rule |
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3. Buying or Refinancing 2+ Duplexes or Rentals? Blanket Loan vs. Individual DSCR Loans
When acquiring or refinancing multiple properties at once, we run both tracks side-by-side so you never get trapped by a partial-release clause or a low-loan-amount floor:
- • One Master Note & One Closing: Bundles 2 to 25+ SFRs, townhomes, or duplexes across one or multiple states.
- • Aggregate Cash Flow: A high-cash-flowing duplex (1.35x DSCR) can offset a tighter property (0.80x DSCR) so the whole package clears 1.15x–1.20x.
- • Partial-Release Clause Check: Requires paying down 115%–120% of the allocated loan balance if you sell one individual property later.
- • Zero Cross-Collateralization Lock-In: Sell or refinance any individual duplex at any time without paying a 115%–120% release premium.
- • Higher Cash-Out LTV (Up to 75%–80%): Single-property DSCR programs often allow 5% higher cash-out LTV than multi-property blankets.
- • Appraisal Isolation: If one property appraises low, it doesn't drag down the leverage on the rest of your portfolio.