DSCR
Deal Set / V.7.16.26 — K-DSCR Underwriting Model
K-DSCR 1–4 Unit Deal Analyzer for Purchase
STATUS: LIVE
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Property Details
Step 1 — PITIA
Purchase & financing
Principal & interest—
Property tax (monthly)—
Insurance (monthly)—
Monthly PITI—
+ HOA—
Monthly PITIA—
Step 2 — Income
Unit count & rent roll
Total monthly income—
Step 3 — DSCR Ratio
Monthly income ÷ PITIA — no vacancy, management, or CapEx factored in
Mthly Income / PITIA—
Deal Code GREEN DSCR 1.61 Green ≥1.00 · Yellow 0.80–0.99 · Red <0.80
Step 4 — Operating Expenses
Applied against annual gross income
Total Annual Operating Expenses—
Step 5 — NOI
Annual gross income—
Annual expenses—
NOI—
Step 6 — Cap Rate
NOI ÷ Purchase Price—
Step 7 — Cash Flow
NOI—
Annual PITIA—
Annual cash flow—
Monthly cash flow—
Step 8 — Cash-To-Close
Down payment—
Closing costs—
Rehab—
Total Cash-To-Close—
Step 9 — CoC
Cash Flow ÷ Total Cash-To-Close—
Step 10 — Return Projection
Growth & exit assumptions
5-yr ROI (avg/yr)—
5-yr IRR—
10-yr ROI (avg/yr)—
10-yr IRR—
Step 11 — Risk Notes
California-specific factors
Step 12 — Deal Score
A separate 5-category scoring model — not used for the Deal Code above, kept here for extra context.
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Step 13 — Offer Strategy
List price—
Offer at target cap rate—
Offer at target DSCR—
Offer at target CoC—
Max offer (most conservative)—
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