Debt Cover Ratio (DSCR) Mortgage

couple meeting with young mortgage lender

Mortgage Options for Property Investors

GMFS Mortgage offers home loan options for property investors.  Our Debt Coverage Ratio (DSCR) Mortgage is a popular mortgage product for investors who are renting or owning.

Designed for real estate investors

Qualification based on property cash flow (not borrower income)

Single-family homes, condos, and 2–4 unit properties eligible

Use potential rental income (as reported by the appraiser) to qualify

Let’s Talk

Contact a GMFS Mortgage Loan Officer today!

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Rating: 5 out of 5

Love the service we received. Great experience

Belinda S.
Rating: 5 out of 5

Working with John Graeber was an absolute pleasure! From the very beginning, he made the mortgage process smooth, stress-free, and transparent. He took the time to explain every detail, answered all our questions promptly, and provided the best possible loan options tailored to our needs. His professionalism, expertise, and dedication…

Working with John Graeber was an absolute pleasure! From the very beginning, he made the mortgage process smooth, stress-free, and transparent. He took the time to explain every detail, answered all our questions promptly, and provided the best possible loan options tailored to our needs.

His professionalism, expertise, and dedication were truly exceptional. Communication was top-notch, and I always felt informed and supported. I highly recommend him to anyone looking for a trustworthy and efficient mortgage lender. Thank you for making my first home-buying experience seamless and enjoyable!

Celeste B.
Rating: 5 out of 5

Working with John Graeber was an absolute pleasure! From the very beginning, he made the mortgage process smooth, stress-free, and transparent. He took the time to explain every detail, answered all our questions promptly, and provided the best possible loan options tailored to our needs.

His professionalism, expertise, and dedication were truly exceptional. Communication was top-notch, and I always felt informed and supported. I highly recommend him to anyone looking for a trustworthy and efficient mortgage lender. Thank you for making my first home-buying experience seamless and enjoyable!

Celeste B.
Rating: 5 out of 5

Jason was professional and knowledgeable and guided through the process expertly

Don D. LaPlace, LA
Rating: 5 out of 5

Ashley was terrific. Wet friendly, thorough and detail oriented. Even though the process sucks Ashley went over and above to help at every step. If it weren’t for Ashley we’d be renting right now but instead we are living in our own home. Cannot thank her enough!

Krisha h.
Rating: 5 out of 5

MeLisa is so knowledgeable and her main focus and concern is taking care of her clients. Communication is key and she is A great communicator

Melissa J. Quitman, MS

What Sets Us Apart

A Lender Who Cares

With GMFS Mortgage, you’re not just getting a loan—you’re getting a team that’s all in, every step of the way.

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Established

Since 1999, we’ve helped over 150,000 people across 23 states become homeowners.

Efficient

Everything from processing to closing happens under one roof. That means fewer hiccups…and more high-fives.

Trusted

A+ BBB rating. Torch Award for Marketplace Trust. A reputation built on doing the right thing.

Experienced

Our team averages 14+ years in the industry—and a lifetime of showing up for our clients.

*Not a commitment to lend.  All loans subject to credit and property approval.  The following terms are for illustrative purposes only.  Rates, payments, and loans terms vary by consumer based on their individual qualifying information.   The payment amount illustrated does not include the amounts for taxes, property insurance, or mortgage insurance. 

Purchase PriceLoan AmountInterest RateAPRTerm
$239,000$227,0506.5%6.725%30