Certified Mortgage Consultant (CMC®)

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When underwriting a Debt Service Coverage Ratio (DSCR) loan for an investment property, what is the primary factor used for qualification?

The property's projected rental income compared to its debt obligations (PITI). The borrower's personal debt-to-income ratio. The borrower's verified liquid assets and net worth. The credit score of the primary borrower.

Correct Answer:

The property's projected rental income compared to its debt obligations (PITI).

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