Tommy DobczykOpportunity Zone Advisor, OZ Wizard · Director of Development | Certified Opportunity Zone Advisor

Stress Test Your Investments: 1.2 DSCR & 6-Month Reserves! #shorts

3 Apr 2026 · 0 min

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0:22

In this short video, Tommy Dobczyk delivers a concise underwriting checklist for real‑estate investors. He emphasizes three core actions: (1) stress‑test every deal by ensuring the Debt Service Coverage Ratio (DSCR) is at least 1.2; (2) maintain a six‑month cash reserve that covers principal, interest, taxes (PIT), insurance, capital expenditures, and routine maintenance; and (3) use the “Deal Hunter” tool to surface non‑negotiable deal criteria. He caps the advice with the mantra “No perfect luck underwriting,” urging investors to rely on disciplined analysis rather than hope.

Are you in the deal room? Making sure that you stress test everything with at least a DSCR of 1.2 and then have a reserve of 6 months PIT, I, CapEx, and maintenance. So, and then you can use Deal Hunter to discover that your non-negotiables. It says it twice, and I think it's because it wants you to read it twice. No perfect luck underwriting, right? Say it with me. No perfect luck underwriting.