Choose the right structure
DSCR Rate Programs
DSCR rate programs should be matched to the financing goal, property cash flow, leverage, hold period, payment objective, and prepayment strategy—not selected from rate alone.
Rate structures
30-Year Fixed DSCR
Stable principal-and-interest structure for investors prioritizing payment predictability.
40-Year DSCR
Longer amortization can reduce the scheduled payment, subject to program availability and complete cost review.
5/6, 7/6 and 10/6 ARM
Initial fixed periods and later adjustments can align with a defined property hold or refinance plan.
Interest-Only DSCR
An eligible interest-only period can reduce the initial payment while principal remains outstanding.
Financing goals
Purchase rates
Price the acquisition using purchase LTV, property rent, credit, reserves, term, and prepayment assumptions.
Rate-and-term refinance
Review the current note, payoff, payment objective, term, and costs without requesting cash proceeds.
Cash-out refinance
Review existing liens, ownership seasoning, requested proceeds, leverage, and property cash flow.
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.