DSCR Loan Quote Investment property financing in all 50 states
Step 1 of 7

What are you looking to do?

DSCR loans are business-purpose loans for investment properties. Pick the transaction that fits your deal.

Step 2 of 7

Where is the property?

We lend in all 50 states and Washington D.C.

Property type
Rental strategy

Step 3 of 7

Tell us about the deal

Enter the purchase details. Adjust either the loan amount or the down payment and we'll keep the other in sync.

Most DSCR purchases land between 20% and 25% down.

Cash-out refinances typically max out around 75% LTV.

New loan amount
—
Loan-to-value —

Step 4 of 7

Property income and expenses

This is what drives your DSCR. Estimates are fine, we'll verify later with a lease or appraisal.

Estimated DSCR
—
Fill in rent and expenses to see your ratio.

Rent divided by estimated PITIA. Payment estimated at an illustrative 6.50% over 30 years for comparison only, your specialist confirms the real rate.

Step 5 of 7

Tell us about you

No income documents needed. This is only to price the loan accurately.

Estimated credit score
Borrower type
How will you hold title?
Investment experience

Step 6 of 7

How do you want this structured?

There's always a trade-off between rate, closing costs and prepayment flexibility. Tell us what matters most.

What should we optimize for?
Prepayment penalty

Accepting a longer prepayment period usually buys you a lower rate.

When do you need to close?

Step 7 of 7

Your scenario is ready

Tell us where to send it. A DSCR specialist reviews your scenario and sends real rate options, usually within one business day.

Who would you like to work with?

Or pick an account executive you already know:

No credit pull · No obligation · Business-purpose financing only

Your DSCR scenario

Estimated DSCR
—
Loan amount
—
Loan-to-value
—
Est. monthly PITIA
—

The structures we'll price for you

Three ways to structure the same deal. Payments below use illustrative rates so you can compare shapes, your specialist sends the actual pricing.

Shopping us against someone else?

Upload their Loan Estimate, or just type in their rate, and we'll price this same deal against it. If we can beat it we'll show you exactly where, and if we can't we'll say so.

Or email it to us

Ready to move forward?

Turn this scenario into a real loan file. Takes about five minutes.

Start my application →

This is a preliminary scenario, not a loan approval, commitment to lend, or rate lock. Estimated payments assume illustrative rates of 6.50% (30-year fixed with prepayment protection), 6.75% (interest only) and 7.125% (30-year fixed with no prepayment penalty) and do not include all closing costs. Actual rate, terms, and eligibility depend on full underwriting review, final appraisal, verified rents, credit, property type and program guidelines. DSCR loans are business-purpose loans for non-owner-occupied investment property only and are not available for primary residences. Bedrock Mortgage, NMLS #1104566.

Rate challenge

Send us their numbers

Give us what another lender quoted you and we'll price the same deal against it. If we can beat it, we'll show you exactly where. If we can't, we'll tell you that too instead of wasting your time.

What did they quote you on?
Their quote document (optional, but it helps)

Upload the actual document and you can leave the rate and loan amount above blank. We'll read the numbers off it, including the fees lenders tend to bury.

✓Rate and points side by side
✓Every lender fee itemized
✓Prepayment penalty terms
✓Interest-only availability
✓Max LTV on your scenario
✓Total cash to close

Rather not upload it here? Email it to us instead.

Received

We're on it

Start my application →

A rate comparison is not a loan approval, a commitment to lend, or a rate lock, and we cannot guarantee that we will beat any particular quote. Competing offers can only be compared meaningfully when the loan amount, LTV, property type, occupancy, credit profile, prepayment terms and fee structure are the same. Final rate and terms depend on full underwriting review. DSCR loans are business-purpose loans for non-owner-occupied investment property only. Bedrock Mortgage, NMLS #1104566.

50STATES
DSCR lending nationwide
21DAYS
Average time to close
0TAX RETURNS
Qualify on rental income alone
$2B+FUNDED
Across 5,000+ loans