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!

Rating: 5 out of 5

Crystal & the team at GMFS were very timely and helpful throughout the entire process. Any time I had a question they were available to answer immediately and very friendly. The financing process was a breeze because of the great team we were working with!

Christopher Phillip S. Youngsville – September 18, 2026
Rating: 5 out of 5

Brad is a top notch mortgage professional. He was never not on top of every detail of the loan process from the first interaction I had with him until closing. He answered all of my questions knowledgeably, and he got things done, quickly and correctly. I would work with Brad again and I will absolutely recommend him to anyone I have the opportunity to.

Laurie B. Baton Rouge – September 18, 2026
Rating: 5 out of 5

I cannot say enough great things about Stephanie and Christy! They were truly the most reliable and responsive team throughout my entire home-buying process. Their communication, professionalism, and follow-through were exceptional. They worked incredibly hard to get everything across the finish line and helped make closing a smooth and successful…

I cannot say enough great things about Stephanie and Christy! They were truly the most reliable and responsive team throughout my entire home-buying process.

Their communication, professionalism, and follow-through were exceptional. They worked incredibly hard to get everything across the finish line and helped make closing a smooth and successful experience.

I would absolutely recommend Stephanie and Christy to anyone looking for a mortgage team. They provided 10/10 service, and I’m so grateful for everything they did to help me get into my new home!

Thank you both for making such an important milestone such a positive experience!

Anjel Jackson O. Slidell – September 19, 2026
Rating: 5 out of 5

I cannot say enough great things about Stephanie and Christy! They were truly the most reliable and responsive team throughout my entire home-buying process.

Their communication, professionalism, and follow-through were exceptional. They worked incredibly hard to get everything across the finish line and helped make closing a smooth and successful experience.

I would absolutely recommend Stephanie and Christy to anyone looking for a mortgage team. They provided 10/10 service, and I’m so grateful for everything they did to help me get into my new home!

Thank you both for making such an important milestone such a positive experience!

Anjel Jackson O. Slidell – September 19, 2026
Rating: 5 out of 5

Stephanie and her team were awesome throughout the entire process; highly recommend.

Darryn O. September 20, 2026
Rating: 5 out of 5

Missy is amazing to work with she was in constant contact with myself and my buyers. She is professional and knowledgeable, looking forward to doing business with her again!

Shannon B. New Orleans – September 21, 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.

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