Mountain Mortgage
London Lending LLC
Full Quote Check →

Free · No application · No credit pull · No rate quoted

What this DSCR loan really costs — and what it costs to leave.

The prepay cost table no lender puts on a term sheet.

A prepayment penalty is priced as a discount and paid as a surprise. Put in the balance, the rate you were quoted and the structure, and see the dollar cost of getting out in each year — either comparing two quotes, or on a loan you already have.

Show my exit cost

Prepay exit cost

Used only to amortize the balance. No rate is quoted on this page.

Prepayment penalties in Pennsylvania

Pennsylvania prohibits prepayment penalties on residential mortgages. For business-purpose loans — which is what a DSCR loan on an investment property is — the prohibition applies to 1–2 unit properties with loan amounts under $329,411 (2026 figure). On 3–4 units, or above that loan amount, a penalty can appear. The threshold is re-indexed each year, so a loan that sits just under it this year may not next year. If your loan is under the figure and a penalty is on the term sheet anyway, ask the lender to remove it or explain why it applies. Verify with the lender — this is information, not legal advice.

The rest of the term sheet

The prepay is one line. The full DSCR Quote Check reads the fee load against typical ranges for your loan size, runs this same exit-cost math, and hands you the nine things to get in writing before you pay for the appraisal.

Check my whole quote →