Lender’s Perspective on DSCR in Loan: Insights from Kirill Ayzenberg

What Is DSCR and Why It Matters to Lenders

The Debt Service Coverage Ratio (DSCR) is a critical metric in the world of real estate finance. It measures a property's cash flow relative to its debt obligations. Lenders like Kirill Ayzenberg rely on DSCR to assess the risk and sustainability of a loan, especially when income verification isn’t readily available.

How Kirill Ayzenberg Uses DSCR in Loan Evaluation

Understanding DSCR Thresholds

Most lenders look for a DSCR of at least 1.25, meaning the property generates 25% more income than is required to service the loan. Kirill evaluates DSCR flexibly, depending on the strength of the location, borrower experience, and rental projections.

DSCR vs. Traditional Income Verification

Unlike conventional loans that require W-2s or tax returns, DSCR loans focus solely on property performance. This makes them ideal for self-employed borrowers, investors, and landlords who manage multiple properties under LLCs.

Real-World Scenarios Where DSCR Makes or Breaks the Deal

DSCR in Multi-Family Property Loans

Kirill often structures multi-unit deals where DSCR serves as the main underwriting factor. For example, a 4-unit property earning $6,000 monthly with $4,000 in debt obligations results in a DSCR of 1.5—qualifying for premium terms.

How Kirill Structures DSCR-Based Loans for Investors

Flexible Terms Based on Cash Flow Metrics

Kirill customizes interest rates, amortization schedules, and loan amounts based on the borrower’s DSCR. Investors with strong property cash flow can benefit from longer terms and lower down payments—even without personal income verification.

Common DSCR Pitfalls and How to Avoid Them

Overestimating Projected Rent

One of the most common mistakes borrowers make is overestimating rental income. Kirill performs local rent comparables and stress tests DSCR to ensure realistic expectations.

Ignoring Seasonal Vacancy Factors

In areas with high seasonal turnover, DSCR can fluctuate. Kirill adjusts underwriting to account for potential vacancies, ensuring the loan remains serviceable year-round.

Start Your DSCR Loan Application with Kirill Today

If you're ready to leverage cash-flow-based lending to grow your real estate portfolio, connect with Kirill Ayzenberg. His expertise in DSCR loans helps investors secure funding faster—with terms built for performance.