DSCR Loan Structure Basics | DSCR Loans Video Guide Part 3

Robin SimonPoster

#3 Private Lending & Conventional Mortgage Advice Contributor

Lender
Austin, TX

Posted July 27, 2026 09:44

https://harpooncapital.com/contact

Welcome to Part 3 of our comprehensive DSCR Loan Video Guide: DSCR Loan Structure Basics!

presented by ‪@Zach Edelman Get MORE INFO https://harpooncapital.com/contact

Ready to APPLY for a DSCR Loan NOW? https://apply.harpooncapital.com/

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DSCR Loan Structure Basics

Before using DSCR Loans to invest in real estate, which entails taking on six- or even seven-figure personally guaranteed debt, it's important to have a good understanding of the key elements of DSCR Loan terms and how the loans are structured. It is a great advantage for borrowers to have all the information needed to understand these loans at their fingertips; critical information that not too long ago required specialized expertise from mortgage brokers or finance experts.

While DSCR Loans and Conventional Loans vary in many different and important ways, structurally, they look very similar. Both are almost always 30-year mortgage loans where the debt is secured by a residential property. This video covers key loan terms and concepts crucial for any borrower to understand who is planning to sign for a DSCR Loan to finance their rental properties.

👀📺In This Video, We will cover:

➡️🔑Key DSCR Loan Term 1️⃣‍: Loan Term

➡️Answer the FAQ: 🤔What Are The Typical Loan Terms for DSCR Loans

➡️🔑Key DSCR Loan Term2️⃣: First Payment Date

➡️Answer the FAQ: 🤔What Does ""Stub Interest"" Mean for DSCR Loans?

➡️🔑Key DSCR Loan Term3️⃣: Interest Rate

➡️🔑Key DSCR Loan Term4️⃣: Closing Fee or ""Points""

➡️🔑Key DSCR Loan Term:5️⃣""Fully Amortizing""

➡️🔑Key DSCR Loan Term:6️⃣""Partial-IO (not quite Interest-Only"")

➡️Comparison⚖️📑Fully Amortizing vs. Partial IO

➡️Example: How Payments Look on a DSCR Loan (Fully Am vs. IO)

➡️Answer the FAQ: 🤔Can I Get an Interest-Only DSCR Loan?