DSCR Loans
Pull equity from your rental property without W-2s or tax returns. Qualify based on rent income — and use the cash to fund your next investment.
Loans offered through this website are intended for business-purpose use only and are secured by non-owner occupied investment properties. Financing is not available for consumer-purpose, owner-occupied residential transactions.
75%
Max LTV
Cash-out limit
1.0
Min DSCR
After refinance
6–12 mo
Seasoning
Typical wait
None
Income Docs
No W-2s required
How It Works
A DSCR cash-out refinance replaces your existing rental property mortgage with a new, larger loan. The difference between the new loan and your current balance comes to you in cash — no income documentation required.
Like all DSCR loans, qualification is based entirely on the property's rental income and DSCR ratio — not your personal income, tax returns, or employment status.
Investors use DSCR cash-out refinances to fund new acquisitions (BRRRR strategy), renovate existing properties, or build reserves for their portfolio.
The Math
Cash-Out Calculator
Enter your property details to estimate your cash-out potential and verify DSCR qualification.
DSCR After Refi
0.96
Below Threshold
Estimates for educational purposes. Consult a licensed mortgage professional.
Qualification
Maximum LTV
75% on cash-out refinances (some lenders 70–80%)
Minimum DSCR
1.0 at new loan amount (1.25+ for best rates)
Credit Score
620+ minimum; 700+ for best pricing
Property Seasoning
6–12 months ownership (delayed financing for cash purchases)
Property Types
SFR, 2-4 units, condos, short-term rentals
Income Docs
None — no W-2s, tax returns, or pay stubs
Reserves
6–12 months PITIA in liquid accounts
Why Investors Use It
Fund the Next Acquisition (BRRRR)
Extract equity from Property A, use it as the down payment on Property B. Scale your portfolio without constantly adding new capital — the core of the BRRRR strategy.
Capture Appreciation Tax-Free
Access market gains without triggering a sale or capital gains taxes. Unlike selling, a refinance is not a taxable event.
Renovate for Higher Rents
Use equity to improve properties and push rents higher. The DSCR improvement from higher rents can more than offset the larger loan payment.
Reinvest in Your Portfolio
Redeploy equity into additional investment properties, renovations, or reserves. Keeping capital working in business-purpose investments accelerates portfolio growth.
2025–2026 Rates
DSCR cash-out refinance rates typically run 0.125%–0.50% higher than DSCR purchase loans, reflecting the slightly increased risk of cash-out transactions.
Get a Current Rate Quote| Credit Score | Approx. Rate | DSCR Required |
|---|---|---|
| 740+ | 7.25% – 7.75% | 1.0+ |
| 720–739 | 7.50% – 8.00% | 1.0+ |
| 700–719 | 7.75% – 8.25% | 1.10+ |
| 680–699 | 8.00% – 8.75% | 1.15+ |
| 660–679 | 8.50% – 9.25% | 1.20+ |
| 640–659 | 9.00%+ | 1.25+ |
Illustrative ranges. Actual rates vary by lender and scenario.
FAQ
Get Started
No income docs. No W-2s. Qualify based on your property's rental income. Available in 35 states + D.C.
Get Pre-Qualified Today