Investor Case Study: Seller Concessions and a 6.25% Rate
How Seller Concessions Helped an Investor Secure a 6.25% Rate
In April 2026, we helped an investor close using seller concessions to pay discount points and secure a 6.25% mortgage interest rate. The property’s qualifying debt-service coverage ratio (DSCR) came in well above 1.25.
The Strategy: Look Beyond the Purchase Price
Using seller concessions toward discount points helped lower the mortgage payment and strengthen the deal’s qualifying numbers.
Learn more about how DSCR loans for investment properties work, or run your own numbers with the DSCR calculator.
Have a Property in Mind?
Before negotiating your next investment purchase, let’s compare how a price reduction versus seller-paid discount points could affect your financing.
Review My DealAbout the Author
Lisa Stepp-Seritt | NMLS #680403
Mpire Financial | NMLS #2108504
Learn more about Lisa
Historical closed-loan example from April 2026, not a current rate offer. The 6.25% figure is the note rate, not APR. Rates, costs, seller-concession limits, and eligibility vary. Results are not guaranteed. Equal Housing Opportunity.
This website provides general information about consumer and business-purpose mortgage financing. Some programs may be available only for investment or non-owner-occupied properties, while others may have personal occupancy requirements. Program availability, licensing, terms, documentation, and eligibility vary by lender, borrower, property type, occupancy, and state.
All mortgage financing is subject to credit review, income or asset verification when required, appraisal, title, insurance, lender guidelines, and final approval.
Lisa Stepp-Seritt, NMLS #680403
Mpire Financial, NMLS #2108504
Equal Housing Opportunity