[WestCoastFunding]

I will publicly admit that consolidations are very difficult, for many of the reasons that Carl mentions above. We ask for a lot of stips (which annoys some brokers but it is the only way we can truly find out what is happening with the client

Business and personal tax returns, previous and YTD financials, schedule of liabilities, AR & AP, personal financial statement. I'm assuming you'd need those. Anything else you guys use? Is there a specific DSCR target for consolidations? I can never quite figure out what a lender looks for in these.