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How to use the Multi-Family calculator:
The Multi-Family Calculator provides a thorough APOD analysis and gives you a quick snapshot of maximum Apartment loan amounts. Vacancies are always a minimum of 5%, but use the number that most closely reflects the current occupancy. Management fees will auto populate at 5% even if the investor self manages. Use the DSCR tab to reflect acceptable current lender trends. Today, most lenders use 1.20-1.35, however, these ratios can be higher or lower depending on multiple factors including location, demographics, property condition etc.