In Midwest and Southeast cash-flow markets, deals hit the 80% LTV cap first. In coastal California, South Florida, and Scottsdale luxury markets, deals hit the 1.00x DSCR constraint first—making sub-1.00x / Sub-1.00x DSCR shelves or 10-year Interest-Only structures essential to maximize leverage.
You can (1) utilize a 10-year Interest-Only (IO) shelf that qualifies on the IO payment, (2) buy down the note rate with 1–2 discount points, or (3) switch to a 0.75x sub-1.00 DSCR wholesale shelf.