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

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Contact a GMFS Mortgage Loan Officer today!

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Rating: 5 out of 5

Blake and his Team made the whole process go smoothly, even after the Customer switched properties. They were Great to work with.

Susan G. Iowa – July 23, 2026
Rating: 5 out of 5

Chad made the buying process extremely easy and was available whenever we needed him!

Johnny C. Greenwell Springs – July 23, 2026
Rating: 4.75 out of 5

Ms. Frannie was nothing but helpful the whole way through! She was always available for me when I had any questions. She made this process very simple!

Alexis Xuan-Nhi Thi N. Lake Charles – July 26, 2026
Rating: 5 out of 5

Darren was very professional and easy to communicate with. From start to finish he had our loan closed in a couple of weeks.

Dale S. Port Allen – July 22, 2026
Rating: 5 out of 5

Bryan Sparacino at GMFS made the entire home loan process smooth and stress-free. He was knowledgeable, responsive, and always willing to answer my questions. He kept me informed every step of the way and made sure I understood everything throughout the process. His professionalism and dedication made such a difference,…

Bryan Sparacino at GMFS made the entire home loan process smooth and stress-free. He was knowledgeable, responsive, and always willing to answer my questions. He kept me informed every step of the way and made sure I understood everything throughout the process. His professionalism and dedication made such a difference, and I truly appreciate all of his hard work. I highly recommend Bryan and the GMFS team to anyone looking for a lender who genuinely cares about their clients!

Reagan D. Denham Springs – July 23, 2026
Rating: 5 out of 5

Bryan Sparacino at GMFS made the entire home loan process smooth and stress-free. He was knowledgeable, responsive, and always willing to answer my questions. He kept me informed every step of the way and made sure I understood everything throughout the process. His professionalism and dedication made such a difference, and I truly appreciate all of his hard work. I highly recommend Bryan and the GMFS team to anyone looking for a lender who genuinely cares about their clients!

Reagan D. Denham Springs – July 23, 2026

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