A DSCR loan asks whether the property can pay, rather than whether you can. For the lender, coverage is a margin of safety. For the investor, it is a fast screen before a full analysis.
What a lender may look at besides DSCR
Coverage is central, not sufficient. Credit, reserves, down payment, property condition, lease evidence, ownership experience, entity structure, and location may all matter. Requirements vary by program.
Five ways the ratio can change
Put more money down, buy at a lower price, support a higher rent with real evidence, change the payment structure, or correct taxes and insurance. Test one change at a time.