DSCR refinance review

Refinance Your Rental Property Without Using Personal Income

Qualify based on the property’s rental income—not your employment income. Compare DSCR rate-and-term and cash-out refinance options.

Rental-Income QualificationRate-and-Term or Cash-OutNon-Owner-Occupied Investment Properties

Review My Refinance Options

A scenario review is not an application or commitment to lend.

Build the refinance around the property

We start with the rental income, current debt, property value, equity, and the outcome you want.

Measure property cash flow

Monthly rent is compared with the proposed principal, interest, taxes, insurance, and association obligations to assess DSCR.

Choose the refinance goal

Compare rate-and-term restructuring with a cash-out scenario that releases eligible rental-property equity.

Review program fit

Credit, equity, appraisal, property type, entity ownership, reserves, seasoning, and lender guidelines determine available terms.

What we review

A complete rental-refinance scenario—not a generic quote form

Property state, ZIP, type, unit count, and rental status
Estimated value, current loan balance, and monthly rent
Requested cash-out and rate-and-term versus cash-out objective
Individual, LLC, partnership, corporation, or trust ownership
Target closing timeline and any scenario-specific context

Review my refinance options

Send the numbers that determine fit

Complete the scenario once. Viador will review the property, goal, and available program structure.

We check the submitted scenario against current DSCR guidelines.
We identify the most relevant rate-and-term or cash-out path.
You receive clear next steps and any additional documentation needed.

DSCR refinance scenario

Required fields are marked with an asterisk.

First name *

Last name *

Email *

Phone *

Property state *

Property ZIP *

Property type *

Number of units *

Current rental status *

Ownership type *

Estimated property value *

Current loan balance *

Monthly rent *

Requested cash-out

Refinance scenario *

Rate-and-term refinanceReplace or restructure the current loan without requesting equity proceeds. Rental cash-out refinanceReplace the current loan and request additional proceeds from eligible equity.

Expected closing timeline *

Optional notes

Loan availability and terms depend on property cash flow, credit, equity, appraisal, and applicable program guidelines.