📚 TEACHING TUESDAY — DSCR, plain and simple DSCR = NOI ÷ yearly loan payments. It answers one question: does the rent cover the mortgage, and by how much? 1.00 means the rent exactly covers the payment. Nothing left. One bad month and you're feeding the house. Most lenders want to see 1.25 or better. Monday's deal? NOI $14,880 against $13,424.92 a year in payments — a 1.11. The house earns. It just doesn't earn enough cushion for the bank's comfort, or yours. What's the lowest DSCR you'd close on — be honest? Free community: https://skool.com/prosphere-1303

123 Main Street again — but forget the asking price. This week the question is the financing. Buy it at $200,000 with 20% down. Loan: $160,000 at 7.5% for 30 years. Payment: $1,118.74/mo. You already know the house: rent $2,000/mo, expenses $9,120/yr, NOI $14,880/yr, cap rate 7.44%. Run it: What's the DSCR on that loan? And after the bank gets paid, what's actually left for you each month? Answers Thursday. The cap rate says this house works. The loan gets a vote too. Free community: https://skool.com/prosphere-1303

At Friday's meetup the action was simple: write your buy box this week. Market. Beds and baths. Price range. Minimum monthly cash flow you'd actually accept. If it's not written, it's not a strategy — it's a wish. And "any good deal" is how beginners overpay. Next Roast To Riches: Friday, Oct 30, 9 AM, Foxtail Coffee. Bring your buy box with you. Is yours written yet — yes or no? Free community: https://skool.com/prosphere-1303

Wins Friday got bumped for the meetup, so we run it today. A lesson finished. A deal you ran the numbers on. A question you finally asked. Yesterday's room at Foxtail counts too — if you were there, what's the one thing you're taking into next week? Small wins stack. Post yours below — what's your win this week? Free community: https://skool.com/prosphere-1303

We're back at the table in two weeks. 📍 Foxtail Coffee, 4075 S Ridgewood Ave, Port Orange 🕘 Friday, October 30 · 9:00–10:00 AM · Free This session's lesson: the buy box. The one-page filter that tells you in 60 seconds whether a deal deserves a real underwrite — or the trash. Bring yours if you have one. Don't have one yet? You'll leave with one. Then the deals round: bring a deal and watch the room run real numbers on it. It's on the community calendar — open the Oct 30 event and tap Going so we know how many chairs to grab. First time? Perfect. This room is built for beginners. No pitch. No hype. Coffee and math. Who's in for round two?