A Boston DSCR loan review starts with the rent and the property, not W2 income. IMC reviews business-purpose rental property scenarios based on rent support, taxes, insurance, value, leverage, liquidity, credit, title, and lender guidelines.
Boston taxes, insurance, condo rules, older housing stock, and neighborhood rent differences can change DSCR quickly. Send the address and numbers before you assume the deal fits.
IMC reviews current or projected rent, PITIA, property type, unit count, valuation, borrower profile, and exit strategy. If DSCR does not work at the requested leverage, the structure may need lower LTV, more reserves, bridge first, or another investor path.
| Situation | Likely Path |
|---|---|
| Supported market rent and acceptable condition | Review DSCR directly |
| Vacancy or repairs before lease-up | Review bridge-to-DSCR structure |
| Short timeline or lender fallout | Review deal rescue or bridge options |
Many DSCR programs focus on property income instead of traditional personal income, but documentation still depends on lender guidelines, property type, credit, leverage, and borrower profile.
