Get out of a high-rate loan and fix your cash flow
No cash to you, no cash needed from you. Replace the loan, lower the payment, lift the DSCR — and keep qualifying on rent instead of tax returns.
- Up to 80% LTV (higher than cash-out)
- Better pricing than a cash-out refinance
- Move into 30-year fixed or interest-only
- Roll closing costs into the loan
- Exit an adjustable or maturing loan
- No personal income verification
Rates from: [RATES FROM X.XX%] · Business-purpose loans for investment properties only. Not for owner-occupied properties. Not a commitment to lend.
Where the money actually shows up
A rate-and-term refinance doesn't hand you a check. It changes your monthly number. Drop the payment on a $350,000 loan by even a percentage point and you're keeping a few hundred dollars a month per door. Across five doors, that's your next property's reserves.
Three structures worth comparing
- 30-year fixed. Highest payment, zero rate risk, strongest for long-term holds.
- Interest-only for an initial period. Lowest payment, best DSCR, best for cash-flow-constrained portfolios.
- 40-year with an interest-only period. Maximum monthly relief where available; the trade-off is slower amortization.
Run all three in the DSCR calculator with your real taxes and insurance before you decide.
Watch the prepayment penalty
If your existing DSCR loan still has a prepay, get the payoff quote before you commit. Sometimes waiting a few months to step down the penalty saves more than the rate improvement gains. We'll do that math with you rather than push a file that doesn't pay for itself.
Refinance only. Investment property only. Not for owner-occupied homes.
Investor FAQ
Find out what your equity can do
Answer 12 quick questions about the property. About 60 seconds. No credit pull, no personal income docs.
Business-purpose loans for investment properties only. Not for owner-occupied properties. Not a commitment to lend.