Pull cash out of your rentals. No tax returns. No W-2s. Qualify on the property's rent.
A DSCR loan is underwritten on one number: the property's rent divided by its monthly payment. If the rent covers the payment, the deal works — your personal income never enters the file.
Rates from: [RATES FROM X.XX%] (editable placeholder) · 60-second form · No credit pull to get numbers
Three ways investors use this
Every loan we write is a refinance on a property you already own. Pick the outcome you're after.
Cash-Out Refinance
Pull trapped equity out of a rental you already own.
- Up to 75% LTV
- Cash wires to your LLC
- Use it for the next deal
Rate & Term Refinance
Get out of a high-rate loan and fix your payment.
- Up to 80% LTV
- 30-yr fixed or interest-only
- Improve monthly cash flow
Refi Out of Hard Money
Exit a bridge, flip or BRRRR loan before it balloons.
- No seasoning games
- Use the new appraised value
- Close on a deadline
How much equity is sitting idle?
Drop in the property's value and your current payoff. This is the same math we run — value × LTV, minus your balance, minus closing costs.
- No income documents, no DTI
- Funds wired to your entity
- Unlimited number of financed properties
Most DSCR cash-out programs top out around 75%.
- New loan at 75% LTV
- $337,500
- Less current balance
- − $210,000
- Less est. closing costs (3%)
- − $10,125
- Current LTV
- 46.7%
Estimate only, based on the numbers you entered. Actual proceeds depend on appraised value, DSCR, credit, and program guidelines. Not a commitment to lend.
How it works
Three steps, property numbers only. Most files go from first call to terms the same day.
1. Two minutes of property numbers
Value, current balance, rent. No tax returns, no W-2s, no pay stubs. We qualify the property, not your personal income.
2. Terms and a DSCR read the same day
We run your DSCR, confirm max cash-out at your target LTV, and send back real structure options — fixed or interest-only.
3. Appraisal, title in your LLC, fund
Order the appraisal and 1007 rent schedule, clear title in your entity, and wire the cash out. Typical timelines run a few weeks, not months.
DSCR refinance FAQ
Find out what your equity can do
Answer 12 quick questions about the property. About 60 seconds. No credit pull, no personal income docs.
Business-purpose loans for investment properties only. Not for owner-occupied properties. Not a commitment to lend.