40-Year DSCR Loans
A 40-year term spreads the loan over more years, which lowers the monthly payment compared with a 30-year loan.
Why investors use it
A smaller payment can be the difference between a ratio that works and one that doesn't, especially in higher-priced markets.
Trade-offs
- You pay more total interest over the life of the loan
- Equity builds more slowly
- Availability and pricing vary by program
Alternatives to compare
An interest-only period or a larger down payment can also lower the payment.
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