Finance
A Pennsylvania commercial real estate lender evaluates a loan primarily based on the property's:
AThe borrower's personal credit history and income only
BNet Operating Income (NOI), debt service coverage ratio (DSCR), LTV, and property value✓ Correct
CThe seller's asking price and days on market
DPREC's property classification and zoning category
Explanation
Commercial real estate loans in Pennsylvania are underwritten primarily on the property's income performance: NOI (cash flow to service debt), DSCR (NOI divided by annual debt service — lenders typically require 1.20–1.
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