DSCR for Investors
GMFS is pleased to offer DSCR, a mortgage option for property investors. Financing that qualifies borrowers based on income generated by the property.
Investment properties only, no second homes allowed. Must be an income producing property.
| DSCR Benefits to the Borrower | DSCR Benefits to You |
| No personal income verification Borrowers don’t need W-2s, tax returns, or pay stubs. Easier qualification for self-employed investors Helpful for investors with complex tax returns.Scales investment portfolios faster Investors can continue acquiring properties without meeting traditional lending limits.Qualify based on rental income Can qualify as long as the property’s rental income covers the debt (typically DSCR ≥ 1.0–1.25)LLC ownership options Borrowers can close in an LLC, helping with liability protection and business structuring. | Opens a new client base You can serve real estate investors who don’t meet traditional agency or QM guidelines.Faster, simpler underwriting Fewer income docs means quicker closings Higher loan volume potential Investors often buy multiple properties, creating repeat business and pipeline consistency.Strong referral network growth DSCR borrowers are often connected to agents, investors, property managers, leading to more referrals. |
| Additional Product Information | |
| Brokers loans will be disclosed by the GMFS Disclosure Desk.Correspondent loans allowed, GMFS must prepare closing package.Underwriting fee is $1399 | |
DSCR also offers a number of prepayment penalty (PPP) options to better support your pricing strategies.
More information about DSCR Program available @ gmfspartners.com
GMFS DSCR Guidelines
GMFS DSCR Matrix
Let’s get your Investment Borrowers started on a DSCR Program today! Give me a call with any questions.