THE 1% RULE IS DEAD. $400K fourplex. Four doors at $1,100. That is $4,400 a month in rent. The old rule says rent must be 1% of the price. It needs $4,000. This deal clears it. Looks like a buy. Then the bank runs its own math. 25% down at 7.55% on a 25-year note: $2,227 a month. The 50% rule says expenses eat half the rent, so NOI is $26,400 a year. DSCR: $26,400 divided by $26,721 in debt service. That is 0.99. Lenders need 1.25 minimum. The 1% rule said buy. The bank says no. Screen every deal with DSCR, not the 1% rule. Want the 1-page checklist that runs the real numbers in 5 minutes? It is on my listing math carousel. Comment INVEST and I will DM it to you. #RealEstateInvesting #MultifamilyInvesting #CashFlow #WealthBuilding #CommercialRealEstate