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The DSCR Underwriting Guide — South Florida

How to Build a DSCR Deal Model a Lender Will Actually Accept (With a GC-Verified Rent Projection)

Why This Exists
Your DSCR ratio is only as good as the rent you can actually get. A projection built on a property a licensed GC has walked is a lender conversation. A projection built on listing photos is a hope.

What's Inside

  • ✓DSCR ratio calculation with real South Florida example (Hialeah 4-unit, DSCR 1.41)
  • ✓How Roland builds GC-verified rent projections lenders accept
  • ✓South Florida submarkets with strongest DSCR metrics by price tier (2026)
  • ✓The DSCR lender landscape: loan minimums, down payments, rate spreads
  • ✓Post-renovation DSCR modeling: pricing the renovation to close the rent gap
  • ✓Year-1 exit strategy: FHA to DSCR refinance step-by-step
WHO THIS IS FOR

Built from 20 years of licensed GC work in South Florida. Not a generic template — construction quality assessments, zoning code specifics, deal math, and real negotiating data.

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The DSCR Underwriting Guide

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Results That Go in the File

Clients Who Worked With Roland.

$18,000
Negotiated Off Before Inspection
"Roland found two unpermitted additions the seller never disclosed. A regular agent would have missed all of it."
Marcus & Priya T.
FHA · Homestead, FL
$80,000
Down Payment Grant
"Roland walked us through the Broward HOME program. The $80,000 covered our full down payment."
Patrice & Devon H.
Conventional · Miramar, FL
$3,200
Off $210K Rehab Estimate
"His renovation number was within $3,200 of final actual cost on a $210,000 rehab. That precision changes underwriting."
Raymond K.
Value-Add · Little Havana
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
Contact RolandCall 305.731.0387Investor Quiz
Roland@Realtor007.ai