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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From the first phone call I made Stinson supplied just the information I requested. And then I appreciate it, as well as I’m sure my clients did, that he came to the closing and was very professional and friendly. I enjoyed him very much as I’m sure my client did also.

Toni K. Baton Rouge, LA

This company was so easy to work with! Ashely and her team were prompt and very informative. Everything was easy and online, and with our hectic schedule we stayed on target and closed in a timely manner. They will be recommended to any in my circle buying a new home!

Worship D.

Ashley and her team are awesome! In spite of the issues we faced in our construction process, Ashley made sure we never had any worries about our loan. She was knowledgeable, professional, responsive and a true lifeline for us. We are forever grateful for the personal attention she gave us, and for always treating us like our business mattered. We highly recommend her to anyone building or buying a home. Customer service at its finest!

Donna T.

Will was able to get my client approved for her dream home when other lenders were not!! He came in at the last minute and saved the deal!! 👏🏼👏🏼 I love a happy ending!!!

Jessica P. Mobile, AL

Ashley and her team at GMFS are amazing to work with. They made our first time home buying experience easy and memorable. Ashley was super knowledgeable and professional, she answered every question and kept us informed while dealing with 2 hurricanes. We are so grateful for her and her team and hope to work together again in the future!

Zack L.

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 Price	Loan Amount	Interest Rate	APR	Term
$239,000	$227,050	6.5%	6.725%	30