Your bridge loan is a clock. Let's stop it.
Rehab is done, the property is worth more, and the note matures soon. A DSCR refinance pays off the hard money and locks the property into 30-year financing underwritten on rent.
- Little to no seasoning on documented rehabs
- Qualify on the new appraised value
- Pay off bridge, flip and hard money notes
- Close in the LLC that holds title
- Fixed or interest-only takeout structures
- Deadline-driven process with a payoff date target
Rates from: [RATES FROM X.XX%] · Business-purpose loans for investment properties only. Not for owner-occupied properties. Not a commitment to lend.
The takeout timeline
- Day 1. Send the payoff statement, the rehab scope and receipts, and the lease or expected rent.
- Day 1–2. We run DSCR at the new value and confirm whether the payoff alone clears, or whether there's room for cash out too.
- Week 1. Appraisal with a 1007 rent schedule ordered; title opened in your entity.
- Weeks 2–4. Conditions cleared, hard money paid off, loan funded.
Bring these and you'll move faster
- Payoff statement with the maturity and extension terms
- Before/after photos and the itemized rehab budget with invoices
- Permits, if the scope required them
- Signed lease, or the rents comparable units are getting today
- Operating agreement and EIN for the LLC on title
The honest risk
If the appraisal comes in below your after-repair estimate, the takeout shrinks — you may need to bring cash to the table to retire the bridge. We'd rather tell you that in the first conversation than at the closing table. Send us realistic comps, not hopeful ones.
Refinance only. Business-purpose investment property only. We do not finance purchases or owner-occupied homes.
Run your numbers
Estimate your proceeds at 75% LTV, then check coverage in the full DSCR calculator.
Most DSCR cash-out programs top out around 75%.
- New loan at 75% LTV
- $337,500
- Less current balance
- − $210,000
- Less est. closing costs (3%)
- − $10,125
- Current LTV
- 46.7%
Estimate only, based on the numbers you entered. Actual proceeds depend on appraised value, DSCR, credit, and program guidelines. Not a commitment to lend.
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.