DSCR loans qualify on the property's rent, not your personal income — so we only need to know about the deal. Real numbers at the end, no email required to see them.
Property type, how it's rented, and the state all move pricing — and some states carry prepayment rules we'll apply for you.
Estimates are fine — you can change any of this on the results screen and watch the pricing move.
This is the whole ballgame on a DSCR loan — the rent against the payment is what qualifies the deal.
An estimate is fine — no credit pull happens here. Multiple borrowers? Use the highest middle score. Refinances need 720 or better.
No credit pull. Nothing is submitted until you ask us to. Non-binding estimate.
Mountain Mortgage · NMLS #2336068 · Paul London NMLS #1578675 · Equal Housing Opportunity
Investment / business-purpose financing only — not for owner-occupied properties. All rates reflect current Mountain Mortgage pricing and include adjustments for credit, property type, loan size, purpose, use, and DSCR. Minimum rate floor: — (— on 3/3/3 ARM). Quotes are non-binding estimates — final rate, terms, and costs are confirmed at underwriting and closing.
A DSCR (Debt Service Coverage Ratio) loan qualifies a real estate investor based on the property's rental income versus its payment — not personal income. Most programs don't require tax returns or W-2s.
Real estate investors buying or refinancing rental properties — long-term rentals and, with many programs, short-term rentals like Airbnb and VRBO.
Many DSCR programs accept short-term rental income. Rules vary by lender and by community — some Pocono HOAs and townships restrict STRs, so the property itself has to qualify too.
No — Mountain Mortgage is a mortgage broker (London Lending LLC dba Mountain Mortgage, Company NMLS #2336068). As a broker, we shop multiple wholesale lenders to find programs that fit your scenario.
No. The DSCR Instant Quote tool runs a scenario with no credit pull.
Reviewed by Paul London, Mortgage Broker, NMLS #1578675 — London Lending LLC dba Mountain Mortgage, Company NMLS #2336068. Last updated: . General information, not a loan commitment or approval. All loans subject to credit approval and program guidelines. Equal Housing Opportunity.