DSCR refinance guides
Written for people who already own rentals. No fluff, no rate promises — just how these loans are actually underwritten.
What is a DSCR loan?
A DSCR loan qualifies the property, not you. Here's the formula, the thresholds lenders use, and what documents you actually need.
ReadDSCR cash-out vs. a HELOC on a rental
Two ways to tap rental equity. One replaces the loan at a fixed rate; the other is a variable line most banks won't write on investment property.
ReadHow to refinance out of hard money
A 60-day playbook for exiting a bridge or fix-and-flip loan into 30-year DSCR financing before the note matures.
ReadDSCR requirements checklist
Credit, LTV, coverage, reserves, property types and documents — everything that gets checked on a DSCR refinance, in one list.
ReadCan I refinance a rental in an LLC?
Yes — entity vesting is standard on DSCR refinances. Here's what the lender needs and what to watch for when moving title.
ReadSTR DSCR loans: using Airbnb revenue
How lenders convert Airbnb and VRBO revenue into qualifying income, what documentation wins, and where STR files get tighter.
ReadFind 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.