Q: Descending vs. Flat prepay: what's the difference for DSCR Loans?

A: A Descending Prepay starts at a set percentage and decreases each year, such as “5/4/3/2/1” (a 5% fee in year one, down to 1% in year five, then no fee). A Flat Prepay stays the same for the full penalty period, such as “5/5/5/5/5,” a 5% fee for all five years, then no penalty.

Complete 2026 Guide To DSCR Loan Prepayment Penalties
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