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Your DSCR Deal Strategy · South Florida 2026

Your DSCR Ratio Is
Only as Good as
the Rent You Can Actually Get.

DSCR lenders don’t care what the listing says. They care what a qualified tenant will pay for the property as it sits today. Roland walks the unit, prices what it takes to get market rent, and builds a rent projection your lender will accept.

★★★★★ 5.0 · 47 Verified Reviews · Keller Williams Premier Properties
DSCR Minimum: 1.0× (Most Lenders Prefer 1.25)
Down Payment: 20–25% Typical DSCR Requirement
No Tax Returns · No W-2 Required
Close in 15–25 Days · Fast Than Conventional
The DSCR Deal Structure Roland Uses

Real Deal.
Hialeah Fourplex.
DSCR 1.41 at Purchase.

Live Deal Structure — DSCR Multifamily Acquisition
4-Unit · Hialeah · Purchase Price $640,000 · Current DSCR 1.41
Purchase price: $640,000. Down payment: $128,000 (20%). Current rents: $7,200/month combined. Estimated PITI at 7.1% rate: $5,100/month. DSCR = $7,200 ÷ $5,100 = 1.41 — qualifies comfortably.

Roland walked every unit pre-offer and priced a $34,000 kitchen and bath renovation package. Post-renovation market rents: $9,200/month. Post-stabilization DSCR = $9,200 ÷ $5,100 = 1.80 — strong cash-out refinance position.
📍
Rent Verification
GC-Verified Market Rent
Roland walks each unit and prices the specific renovations that close the gap between current and market rent. Rent projections built on a property a GC has walked are defensible to the lender. Projections built on listing photos aren’t.
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Renovation Scope
Pre-Offer Renovation Budget
The renovation scope required to reach market rent must be priced before you offer — not after inspection. If the renovation cost pushes your all-in basis past what the DSCR math supports, you need to know before you tie up earnest money.
📊
DSCR Calculation
DSCR Check Before You Offer
Roland runs the DSCR calculation on every acquisition before the offer goes in. Purchase price at 80% LTV × current rate = PITI. Divide by current rents. If it doesn’t clear 1.0 at current rents, the deal depends on renovation completion first.
Results That Go in the File

Investors Who
Worked With Roland.

$3,200
Off Actual Cost on $210K Rehab
★★★★★

“Roland modeled the renovation budget before I put in an offer — not a ballpark, actual line items. His renovation number was within $3,200 of final actual cost on a $210,000 rehab. That precision changes how you underwrite a deal.”

Raymond K.
Value-Add Multifamily · 8 Units · Little Havana
T6
Code Violations Resolved Pre-Close
★★★★★

“Roland understood the T6-8 zoning and what we could actually build on the site before we closed. He identified two open code violations and had the seller close them as conditions of sale. Nobody else was doing that level of work.”

Ingrid & Pascal N.
Wynwood T6 Land Acquisition · Miami
14
Deals Done — First Agent to Know the Difference
★★★★★

“I’ve done 14 deals. Roland is the first agent who told me which renovations would move the rent versus which ones were just spending money. That GC lens is irreplaceable for value-add investing.”

Terrance W.
BRRRR · Triplex Value-Add · Hialeah
Your Next Step

Book Your
DSCR Deal Review.

Roland walks your DSCR target, verifies market rent per unit, prices the renovation to close the gap, and builds the rent projection your lender will accept. Zero cost on buyer representation.

Free · No Obligation · Roland reviews every submission personally
💬 Message on WhatsApp · Roland@Realtor007.ai
🅾 The GC Advantage
Roland gives you a GC renovation budget before you offer — real line items, not ballparks. The only investor agent in South Florida who walks the deal like a contractor, then buys it for you.
About Roland Ruiz
Roland Ruiz — South Florida real estate advisor and Licensed General Contractor

Roland Ruiz

Florida Realtor · Licensed General Contractor

Investor and multifamily guidance. Roland helps investors slow the numbers down: cash flow, reserves, insurance, repairs, financing, and risk before making a decision.

Keller Williams Premier PropertiesLicensed General ContractorMiami-Dade · Broward · Palm Beach · Collier