THE OTHER NUMBER THE BANK RUNS. Yesterday was DSCR, the income test. Today is LTV, the collateral test. LTV = loan ÷ value. $300K loan on a $400K fourplex is 75% LTV. At 75%, the bank survives a 25% price drop. At 90%, a 10% dip wipes them out. On your side: 75% LTV means $100K down on $400K. Stretch to 80% and the higher rate eats you alive. Lower down is not free money. Run both numbers before you offer. DSCR says if it pays. LTV says if the bank plays. Comment INVEST and I'll DM it to you. #RealEstateInvesting #CommercialRealEstate #Fourplex #CashFlow #WealthBuilding