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).
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
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: 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.