Refinance
Refinance or cash out a rental you already hold.
This is DSCR financing described the way most investors ask for it: rate-and-term refinance or cash-out against rental income, not a separate loan product.
Refinance terms follow the DSCR program.
The numbers below are the public DSCR sheet. There is no second refinance rate card.
Best For
Use this page when the property already produces rent.
If the story is a flip, a construction draw, or a short-term bridge to another exit, start on those programs instead.
- Landlords refinancing an existing rental into longer-term DSCR debt
- Investors taking cash out against stabilized or near-stabilized rent
- Portfolio borrowers consolidating or resetting terms on income property
How this maps
Refinance is a DSCR intent, not a fifth program.
The application still asks purchase, refinance, or cash-out. The credit conversation is rental cash flow.
DSCR term sheet
Rates start at 6.50%, with fixed, interest-only, or adjustable options depending on the file. Full terms live on the DSCR program page.
Check the ratio first
Use the DSCR calculator to see whether current or expected rent covers the payment before you apply.
Then apply as refinance
The apply form opens on DSCR Refinance. Switch to cash-out on that first step if that is the real request.
Before You Apply
Have the hold story ready, not just the payoff.
A refinance file moves faster when the rent, expenses, and current loan are clear.
- Know whether this is rate-and-term or cash-out before you start.
- Have current rent, taxes, insurance, and HOA available for the calculator or the application.
- Use the DSCR program page if you want the full term glance before you submit.
Ready to refinance a rental?
Start the application when the property, current loan, and rent story are clear enough for review.