Christian OsgoodCEO, Multifamily Strategy · CEO at Multifamily Strategy

How to Stop Brokers from Controlling Your Deal - Aim for DSCR 1.25+ #RealEstate #Finance

20 Oct 2026 · 0 min

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In this brief segment, Christian Osgood cautions real‑estate owners against sending their underwriting documents to brokers, emphasizing that brokers act as salespeople whose interests may not align with the owner’s. He advises owners to perform their own underwriting using the same criteria a bank would apply, specifically targeting a Debt Service Coverage Ratio (DSCR) of 1.25 or higher. By doing so, owners retain control of the deal and ensure the financing meets conservative, bank‑level standards.

Huge mistake people do. They send their underwriting to the broker and they say, hey, look at— here's my numbers. This is what works for me. What you are setting them up to do— they are a salesperson. So I let them know, hey, I did the underwriting and I underwrite to a standard of where a bank would underwrite, which means essentially you need to get your debt service coverage ratio or DSCR to a 1.25% or higher.