Key Takeaways
- Account separation is the most fundamental financial control — never comingle funds.
- Written ratio policies (1.25x DSCR, 65-70% LTV, 45% DTI, 6-month reserves) create automatic decision filters.
- Monthly reconciliation takes 30 minutes and catches errors before they compound.
- Annual financial health audit covers insurance, entities, estate planning, and tax strategy.
- Controls must be reviewed regularly — established but unmonitored controls provide false security.
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Test Your Knowledge
1.What is the most fundamental financial control for real estate investors?
2.What minimum DSCR policy is recommended per property?
3.How often should bank account reconciliation be performed?
4.What CapEx reserve per property per month is recommended?