To include rental offset surplus in your debt service calculations:
For owned properties:
Go to the Owned Properties section and click on the pencil icon
Select Offset as the Rental Policy
Check the box to Add balance to gross income
For Subject Property:
Under Transaction & Collateral, click on the address of the subject property
Select Offset as the Rental Policy
Check the box to Add balance to gross income
If the rental income exceeds the property expenses, the surplus will be automatically added to the denominator when calculating debt service ratios.
To see detailed breakdown on each ratio, on the top right corner, click on the desired ratio. A new window will display a breakdown of the calculation and the amount allocated as the surplus.
For more information on debt service calculations, click here.