Shafiq Hirani CCIM breaks down what determines your loan size: your documented income divided by the lender's coverage requirement. One owner lost $900,000 in loan proceeds because of an income documentation gap. You can't control interest rates, but you can control how much income you document.
Now think back to what actually sizes your loan. Your income divided by the coverage requirement converted at the rate. You do not control the rate. You do control the income. And you control how well it is documented. Remember the gap from the very first video in this series? That building lost about $900,000 in proceeds and none of it was because of the rate. All of it was the difference between the owner's income and the lender's. That is the piece you can actually move.
