Two minimum rents answer different questions
Lender minimum rent is target DSCR multiplied by PITIA. Investor break-even rent also reflects vacancy, management, maintenance, capital reserves and other operating costs. The larger figure is the safer screening threshold.
Why eligible rent matters
A lender may use a lease, an appraiser’s market-rent schedule or only a percentage of documented rent. Enter the rent the proposed program recognizes, then confirm the method in writing before relying on the result.
If the property misses the target
Test a larger down payment, a lower purchase price, a lower rate or verified rent from comparable properties. Do not raise the rent assumption merely to make the ratio pass.