If you’re locked into a 2.5–3.5% interest rate, you probably don’t want to sell, and that makes sense. But a lot of homeowners right now feel stuck. You’ve built serious equity, yet you’re not using it. That’s equity prison.

A DSCR (Debt Service Coverage Ratio) loan can be a way out.

Unlike a traditional mortgage, a DSCR loan isn’t based on your personal income. No W-2s. No tax returns. No debt-to-income limits. Approval is based on the property’s rental income, the rent schedule, your credit score, and typically a minimum of 20% down. If the property cash flows, you can qualify.

Here’s the opportunity: instead of selling your low-rate home, you can tap into your equity through a HELOC or cash-out refinance, use that equity for the 20% down payment on an investment property, and qualify based on the new property’s rental income, not your personal income.

You keep your 3% mortgage. You keep your house. And you start building assets instead of sitting on equity.

If you’re sitting on equity and feel stuck, you’re probably not stuck, you just need a strategy. Let’s run the numbers and see what’s possible.