Hey all - I am currently under LOI and my loan file is in underwriting. I've been told by my bank that every owner comp add-back will be discounted to 70% of the whole. For example, if salary is $100k, they are only adding back $70k. I'm wondering how common this is and if I should consider reaching out to my backups?

This is affecting the TTM DCR; all other DCRs even at discount look great.