GMCC's Competitive

DSCR Loan Program

Loan Amount and Terms: Up to $1M with a Loan-to-Value (LTV) of 60% on a 30-year fixed-rate mortgage.
Competitive Rates: Enjoy a low rate of 6.625% with an APR of 6.75%.
Credit Requirements: Minimum FICO score of 760 required.
Prepayment Flexibility: Subject to a 5-year prepayment penalty.

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Unlock Investment Opportunities with

Our Attractive DSCR Rates

Our DSCR loan program is designed to meet the needs of property investors seeking flexible financing solutions. With competitive rates, minimal qualification requirements, and the ability to use rental income for qualification, our program offers a streamlined path to financing your investment properties.


No Employment Verification

Get approved without needing to provide employment information.


No Tax Returns Required

Simplify your application process without the need for tax return documentation.


Versatile Use

Applicable for purchase, cash-out, and refinance transactions.


Flexible DSCR Requirements:

Qualify with DSCR ratios as low as zero, making it easier for investment property owners.

Short-Term Rental Income:

Use income from short-term rentals like Airbnb to qualify for lower rates.

Rental Income Consideration:

Eligibility based solely on rental cash flow, which can be negative. Suitable for 1-4 unit properties, with 5-8 units considered on an exception basis.

Unlimited Financed Properties:

Ideal for investors with a large portfolio, allowing for unlimited financed properties, including those with more than 10+.

Rate Validity:

These rates are valid as of January 12, 2024.

Get Started on

Your Investment Journey!

If you're looking to expand your rental property portfolio or refinance existing properties, GMCC's DSCR loan program provides the financial flexibility you need. Contact us today to learn more about how we can support your investment goals with our tailored loan options.

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