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Tell us the goal
Pick refinance, cash-out, purchase, or portfolio expansion, and share the property numbers. A few minutes, no documents yet.
DSCR refinance & cash-out
Refinance Your Rental Property Without Using Personal Income
See which DSCR refinance and cash-out paths may fit your property. Start online, get your options digitally, and talk with someone only when useful.
No call required • Results by text or email • Continue online when ready
- Rental-income qualification
- Rate-and-term or cash-out
- Non-owner-occupied investment properties
- Digital-first process
Qualify on the property, not your W-2
Individual or entity (LLC) vesting
Rate-and-term or cash-out
Start in a few minutes
Get my loan options
Answer a few questions. See your paths.
Tell us the goal and the property. We match it to the DSCR structures that tend to fit, then send written next steps your way — no phone call needed to get started.
A scenario review is not an application or a commitment to lend. You choose whether and when to continue.
Digital-first
How the digital process works
Built to move at your pace — online first, a person only when it's useful.
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See your paths
We match your scenario to the DSCR structures that tend to fit and show them on screen right away.
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Get written options
We send clear next steps by text or email — and follow up only if and when it's useful.
What a DSCR loan is
Qualify on the property's rent, not your paystubs
A DSCR (debt-service coverage ratio) loan looks at whether the rent covers the proposed payment — principal, interest, taxes, insurance, and any association dues — instead of relying on personal employment income.
- Rental income is the primary qualifier — not W-2s or tax returns.
- Available for non-owner-occupied single-family, 2–4 unit, and eligible condo or small multifamily.
- Vesting in your own name or an entity such as an LLC.
- It is not "no underwriting" — credit, equity, appraisal, reserves, and property eligibility still apply.
Two refinance structures
Rate-and-term vs. cash-out
Rate & term
Replace an existing mortgage or short-term loan with terms designed around the property's cash flow — without pulling equity out.
- Lower the payment or exit a bridge/hard-money loan.
- Move from short-term to long-term financing.
- Keep proceeds at zero; focus on structure.
Cash-out
Refinance the current balance and request additional proceeds from eligible equity for a business purpose.
- Access equity for reserves, improvements, or the next acquisition.
- Proceeds and vesting must meet business-purpose and program rules.
- Available cash-out depends on equity, value, and guidelines.
What actually determines terms
Qualification factors
- Property cash flow relative to the proposed payment (DSCR).
- Credit profile, equity position, and cash reserves.
- Appraisal, title, property type, and unit count.
- Entity vesting and business-purpose documentation.
- Loan seasoning and program-specific guidelines.
Loan availability and terms depend on property cash flow, credit, equity, appraisal, and applicable program guidelines. A scenario review is not an application, an approval, or a commitment to lend. We do not guarantee approval, specific rates, terms, or cash-out amounts.
Ready to see your options?
Answer a few questions and get your DSCR refinance and cash-out paths — digitally, no call required.
Get My Loan OptionsNo call required • Results by text or email • Continue online when ready