DSCR refinance qualifies on rental income alone. Lower your rate, access equity, or both — without personal tax returns, W-2s, or employment verification. Scale your portfolio without limits.
Your DSCR ratio determines your refinance terms. We accept all three tiers.
Rent falls short of mortgage
Best for:Investors in high-appreciation Texas markets where rents haven't caught up to values. Below 0.75? Rate & term still available at 65% LTV max.
Rent covers mortgage payment
Best for: Investors refinancing to lower rates on cash-flow-neutral properties, or pulling equity for the next acquisition.
Strong positive cash flow
Best for: Investors with strong cash-flow properties who want the best rates and maximum equity access for portfolio growth.
Scale your portfolio without traditional lending limitations. Your rental income does the qualifying.
DSCR refinance uses your property’s rental income as the sole qualification. No W-2s, no tax returns, no employment verification. If the rent covers the mortgage, you qualify — for the underwriting playbook see our Texas DSCR loan page.
Refinance an existing investment property loan to a lower rate, or access equity for your next acquisition. Cash-out available up to 75% LTV. Run the savings through our refinance calculator first.
Unlike conventional loans that cap at 10 financed properties, DSCR refinance programs have no portfolio limit. Scale without boundaries — lease-up assumptions follow standard FNMA rental income guidelines.
DSCR refinances close in your LLC, S-Corp, or trust. Keep investment properties separate from personal assets for liability protection. Self-employed investors with strong deposits can also explore a bank-statement refinance on owner-occupied homes.
If you purchased investment properties at higher rates, DSCR refinance lets you lock lower rates as the market shifts — increasing your monthly cash flow across your entire portfolio.
Cash-out DSCR refinance lets you pull equity from existing properties to fund down payments on new acquisitions — creating a compounding portfolio growth cycle.
No income documents means faster underwriting. Most DSCR refinances close in 21–30 days. Simplified process, same day pre-approvals.
Rate & term vs. cash-out comparison for Texas investors.
From property analysis to closing day — streamlined for investors.
Submit your deal. We’ll analyze the lease income vs. mortgage payment (PITIA), calculate the DSCR ratio, and confirm eligibility within 24 hours. DSCR as low as 0.75 qualifies for both rate & term and cash-out.
Submit your application with lease and property docs. We structure the best program for your profile and lock your rate. No personal income documents needed.
Property appraisal and rent schedule confirm value and income. Our underwriters verify the DSCR ratio and clear conditions. Timeline: 2–3 weeks.
Close at a Texas title company in your LLC, trust, or personal name. Your new rate takes effect and cash-out funds disburse within 3 business days.
Run the numbers on your Texas investment property refinance.
Estimate your new monthly PITIA and compare it to your rental income for DSCR calculation.
See how much you'll save monthly and annually by refinancing at a lower rate.
Find out when your refinance pays for itself and whether the closing costs are worth it.
Should you buy discount points to lower your rate? See break-even months and lifetime savings.
See how extra payments shave years off your loan and save tens of thousands in interest.
Common questions about refinancing investment properties with DSCR.
No personal income • LLC closing • Up to $5M+ • Unlimited properties.
Start my DSCR refi