DSCR Cash-Out Refinance
Pull equity out. No seasoning required.
What's your goal?
Pick what you'd like to do — we'll customize from there.
Trusted Lender
Connect with the right team to keep your transaction smooth from app to close.
Creative Solutions
Self-employed, foreign national, ITIN, mixed-use — we have a program for you.
Secure & Private
Your data is encrypted and never sold.
Fast to Close
Average 14–30 days from clean app to clear-to-close. Same-day scenario response.
How It Works
How a DSCR cash-out refinance works.
A cash-out refinance replaces your current mortgage with a new, larger loan. The difference between your old balance and the new loan goes to you as cash — capital you can deploy into your next deal.
With a DSCR cash-out, the qualification is based on the property's rental income. As long as the rent covers the new, larger payment (DSCR of 1.0+), you qualify. Your personal income, tax returns, and DTI are irrelevant.
The feature that sets us apart: no seasoning. You can close a cash-out refinance the day after purchase, using the full current appraised value — not the purchase price. For BRRRR investors who buy below market, rehab, and force appreciation, this is the single most important feature in DSCR lending.
Buy and stabilize
Purchase the property (with hard money, cash, or another DSCR loan). Rehab if needed. Get a tenant in place.
Get appraised at the new value
We order an appraisal. If you bought at $200K and the property is now worth $300K, the appraisal reflects $300K.
Cash out at 75% LTV
New loan = $225K (75% of $300K). If you owed $200K on the existing loan, you get $25K in cash. If you paid cash for the purchase, you get the full $225K back.
Repeat
Use the cash to fund your next acquisition. This is the BRRRR cycle — Buy, Rehab, Rent, Refinance, Repeat.
Guidelines
Cash-out refinance guidelines.
| Max LTV | 75% (cash-out) |
| Min DSCR | 1.0 standard (Easy 50: no minimum at 50% LTV) |
| Seasoning | None — use full appraised value from day 1 |
| Min credit | 620 (Easy 50: none) |
| Min loan | $100,000 |
| Max loan | $5,000,000+ |
| Property types | SFR, 2-4 unit, 5+ unit, condo, mixed-use, STR |
| Vesting | LLC, trust, or personal name |
| Documents | Lease, insurance, ID. No tax returns or W-2s. |
| Reserves | 3-12 months PITI |
Questions
DSCR cash-out refinance FAQs
A DSCR cash-out refinance replaces your existing investment property mortgage with a new, larger loan — and gives you the difference in cash. The qualification is based on the property’s rental income (DSCR), not your personal income or tax returns.
Trusted Lender
Connect with the right team to keep your transaction smooth from app to close.
Creative Solutions
Self-employed, foreign national, ITIN, mixed-use — we have a program for you.
Secure & Private
Your data is encrypted and never sold.
Fast to Close
Average 14–30 days from clean app to clear-to-close. Same-day scenario response.
Ready to lower your rate?
DSCR Loans — Lower Rates Are Here.
Cash Out Refinance — More cash flow. More properties.
Send us your scenario or upload a competing term sheet — we'll either beat it or tell you straight up that you've got a great deal.