Rental offset: how the lender reads Laval cash flow
How a lender treats rent decides how many doors you can hold. Three methods exist: 50% offset (conservative), 80% rental add to gross income (most A-lenders), and 100% offset (specialty and a few A-lenders — the most powerful for scaling). On a Laval rental at the $565,000 benchmark, the difference between these methods can be the gap between a yes and a no. We model your file against all three and route it to the lender whose method fits your portfolio, not just the cheapest headline rate.