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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The only negative were the hours that I had to be at the house for the PDR.

Cindi R. Mandeville – August 22, 2026

very helpful the whole way

Chase M. Baton Rouge – August 18, 2026

ANYONE needing a mortgage broker, Josh Foster is the man for you. He is so diligent and hardworking, you would think that he was working mortgage for himself. He is extremely knowledgeable and professional and analyzes EVERY angle. He is responsive and attentive you would almost believe you were his only client, NOT. Joshua Foster is unquestionably a great broker and person all around. HIGHLY RECOMMENDED!!!

Alaynnaking New Orleans – August 23, 2026

Mrs. Michelle was such an incredible help! Anyone to have her as their loan officer should be considered very lucky. GMFS was very easy to work with and everyone in their office was extremely responsive and patient.

Caleb D. Mandeville – August 20, 2026

Kept me informed and very easy to reach to keep communication active

Tony H. Grand Isle – August 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.

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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