DSCR refinance deals do not fail by accident. They fail because nobody stress-tested the numbers before the hard money loan was signed.

In this episode, I break down a real Cleveland duplex deal. The investor maxed their hard money at 75% LTV. Appraisal came in $15,000 light. Reconsideration of value failed. Now their only exit is a sale. No DSCR refinance. No cash out. No options left.

This is happening right now in markets across the country. If you are using hard money or bridge loans to fund your fix-and-flip or buy-and-hold deals, this episode is both your warning and your roadmap.

In this episode:

— Why 75% LTV kills your DSCR refinance before it starts

— How a $15,000 appraisal miss wipes out every exit strategy

— The 15 to 20% fudge factor every investor needs in their budget

— Why you should never go above 65% LTV on any investment property loan

— How to stress test your ARV before you sign anything

— What to do when your comps do not match your lender's appraisal

— Why multiple exit strategies are never optional

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