Tell us about the deal

Fill in the basics — we'll show every rate, structure, and payment option that fits.

Your quote updates instantly as you type ↓

Borrower

Estimated Credit Score

If multiple borrowers, use the highest score. 720+ required for refinance.

Property

Property Type

Use Type

Property State

We currently lend in 34 states. Some states have special prepay rules — we'll flag those automatically.

Loan

Loan Purpose

Purchase Price / Appraised Value

Down Payment

Rental Economics

Projected Monthly Rent

Annual Taxes

Annual Insurance

Annual HOA (if any)

Compare Your Options

All rates & structures

How to use this: Each row is a loan structure. Each column is how many points your client pays. Tap any cell to see the full payment breakdown and download a quote.

Step 1 — Pick a prepayment penalty

Step 2 — Tap a rate to build the quote

What does DSCR mean?

DSCR = monthly rent ÷ monthly payment. 1.25 means rent covers the payment 1.25×; below 1.00 the property doesn't cash-flow (and the loan is capped at 65% LTV).

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Recommended — our pick based on rate + DSCR fit Secondary tags — trade-offs to consider 1 pt = 1% of loan amount paid at closing

How we priced this

All rates reflect current Mountain Mortgage pricing and include adjustments for credit, property type, loan size, purpose, use, and DSCR. Minimum rate floor: 6.00% (5.865% on 3/3/3 ARM). Quotes are non-binding estimates — final rate, terms, and costs are confirmed at underwriting and closing.