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

We couldn’t have been happier with our experence with GMFS! They did everything in their power to make sure we got the best possible outcome. We would definitely recommend them to family and friends. Thank you again for being there when we needed you.

Pedro M. Abita Springs – October 19, 2026
Rating: 5 out of 5

Made the process as smooth as possible

Trenton M. Zachary – October 17, 2026
Rating: 5 out of 5

I’m so grateful to have had her as my lender for my first home purchase! She was super sweet, attentive, and always just one phone call away. No matter how many questions I had, she took the time to answer them and explain everything so I understood each step. She…

I’m so grateful to have had her as my lender for my first home purchase! She was super sweet, attentive, and always just one phone call away. No matter how many questions I had, she took the time to answer them and explain everything so I understood each step. She made the experience feel personal, like having a big sister or cousin guiding me through it. I truly felt supported and cared for. She stayed on top of everything and made sure we stayed on track to close on time. Thank you for your patience, dedication, and for helping me and my daughter reach such a special milestone. I would absolutely recommend her!

Peldia P. Lake Charles – October 16, 2026
Rating: 5 out of 5

I’m so grateful to have had her as my lender for my first home purchase! She was super sweet, attentive, and always just one phone call away. No matter how many questions I had, she took the time to answer them and explain everything so I understood each step. She made the experience feel personal, like having a big sister or cousin guiding me through it. I truly felt supported and cared for. She stayed on top of everything and made sure we stayed on track to close on time. Thank you for your patience, dedication, and for helping me and my daughter reach such a special milestone. I would absolutely recommend her!

Peldia P. Lake Charles – October 16, 2026
Rating: 5 out of 5

I represented the seller

Donna C. Metairie – October 14, 2026
Rating: 5 out of 5

Best in the business! From start to finish, the Boudreaux-Vick team was very helpful and responsive. They always answered our (many) questions and made the process seamless. Highly recommend!

Kelly M. October 13, 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