If a deal's DSCR comes in below a lender's floor, three levers move it: raise rents to market, lower the rate (buy points or shop lenders), or extend the amortization to cut the annual payment.
Cutting the payment via a longer term is the fastest fix but raises lifetime interest; raising rents is the most durable because it lifts both DSCR and value.
Model each lever before applying — sometimes a modest rent bump plus a slightly larger down payment clears 1.25 without touching the rate.