Fixed payment structure
30-Year DSCR Loan Rates
A 30-year fixed DSCR structure can provide predictable principal-and-interest payments for an eligible rental-property loan, subject to the rate table, property, borrower, leverage, and underwriting.
Compare the payment and the balance you will still owe.
A smaller payment is only one part of a loan comparison. For a fully amortizing loan, each scheduled payment includes interest and principal. The remaining balance matters when you sell or refinance. Compare both the interest paid during your planned hold and the balance remaining at that date.
Use the calculator below with the same loan amount and your own rate assumptions for both terms. It separates payment, principal repaid, interest paid and remaining balance. It does not assume that either program has a lower rate, and it excludes points, closing costs, taxes, insurance, HOA and prepayment charges.
Compare 30-year and 40-year payments.
Use your own interest-rate assumptions. These are planning calculations, not current lender rates or offers.
Same balance. Same hold period.
Compare a 30-year and 40-year repayment schedule
Enter rates you want to evaluate. This illustration assumes fixed rates, monthly principal-and-interest payments and no extra payments. It does not show an available loan offer.
Enter both rates to see the comparison.
Planning illustration only—not current pricing, an APR, an approval or a commitment to lend. Excludes taxes, insurance, HOA, points, closing costs, prepayment charges and future rate changes. Compare actual loan disclosures before deciding.
Why investors choose a 30-year fixed DSCR loan.
Payment stability
The note rate does not change during the fixed term, subject to the actual note and loan documents.
Clear comparison
A fixed structure provides a stable baseline against ARM, 40-year, and interest-only alternatives.
Long-term hold fit
Predictable debt service can support a buy-and-hold planning model.
What still changes the rate.
- Credit range and mortgage history.
- Purchase, rate-and-term, or cash-out purpose.
- LTV, property type, DSCR, points, and prepayment option.
- Current lender pricing and market conditions.
Fixed does not mean fixed housing expense.
A fixed note rate stabilizes principal and interest. Taxes, insurance, HOA, and other property expenses can still change over time and should be included in the investment analysis.
Related DSCR rate guides.
Continue your rate research with the most relevant comparison pages.
Build a DSCR rate review around the actual property.
Share your property and financing goal. A NonQM123 specialist will review your request and contact you by phone or email with the next steps.
Business-Purpose Investment Financing
This website presents financing options intended for eligible non-owner-occupied investment properties and business purposes only. The subject property may not be occupied by the borrower or the borrower’s family when prohibited by the applicable program. Loan proceeds may not be used for personal, family, or household purposes. Program availability, occupancy requirements, terms, and eligibility are subject to underwriting, property review, state restrictions, and lender approval.