Refinance Investment Property the Smart Way

Investors with W-2 income complications, self-employment, or multiple properties often hit walls trying to refinance investment properties through traditional banks. DSCR refinances solve this—qualify on rental income alone, no tax returns or W-2s required.

Whether you’re lowering a rate, pulling cash out for the next deal, or consolidating high-rate hard money into long-term financing, DSCR refinances put you in control.

Three Common DSCR Refinance Scenarios

• Rate-and-Term: Lower rate, change loan term (e.g., ARM to 30-year fixed). Replace existing mortgage with no cash out.
• Cash-Out: Replace existing mortgage with a larger one and pocket the difference. Up to 75% LTV. Use cash for the next acquisition, renovations, or business.
• Hard Money Takeout: Refinance from short-term hard money or fix-and-flip financing into long-term DSCR after the BRRRR (Buy-Rehab-Rent-Refinance-Repeat) cycle.

DSCR Refinance Loan Terms

• Up to 75% LTV cash-out (80% rate-and-term)
• 620+ FICO minimum (700+ for best pricing)
• DSCR ratio of 1.0+ required (better pricing at 1.25+)
• 30-year fixed and ARM options (5/1, 7/1, 10/1)
• Closeable in LLC name
• No income docs, no tax returns, no W-2s
• 6-12 month seasoning typical (delayed financing exception may apply)

BRRRR Investors: How DSCR Refi Powers the Strategy

The BRRRR strategy (Buy-Rehab-Rent-Refinance-Repeat) depends on the refinance step to recover capital for the next deal. DSCR cash-out refinances are the go-to tool because:

• Lenders use the new appraised (post-rehab) value, not original purchase price
• No income documentation slowing down approval
• Fast 30-45 day closes
• LLC-friendly
• Can chain into multiple BRRRR cycles per year