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Key Takeaways
A DSCR cash-out refinance allows you to replace your existing mortgage with a new, larger loan and receive the difference in cash. Unlike traditional refinances that require W-2s, tax returns, and DTI calculations, DSCR cash-out loans qualify based solely on the property's rental income.
This makes it an ideal tool for investors looking to extract equity from performing rental properties to fund new acquisitions, renovations, or other investments—without the documentation burden of conventional refinancing.
1.0-1.25
minimum DSCR ratio required by most lenders
Source: Fannie Mae
No W-2s
required - DSCR loans qualify based on property cash flow, not personal income
Source: Clear House Lending Market Data
620-680
minimum credit score typically required for DSCR loans
Source: Clear House Lending Market Data
75-80%
maximum LTV for DSCR investment property loans
Source: Freddie Mac Investor Resources
| Current Property Value | $600,000 |
| Existing Mortgage Balance | $300,000 |
| Current Equity | $300,000 (50%) |
| New Loan Amount (75% LTV) | $450,000 |
| Payoff Existing Mortgage | -$300,000 |
| Less Closing Costs (est.) | -$15,000 |
| Cash to Borrower | $135,000 |
The BRRRR method (Buy, Rehab, Rent, Refinance, Repeat) relies on cash-out refinancing to recycle capital. DSCR loans are ideal for the "Refinance" step because they qualify based on the property's new rental income—not your personal tax returns.
| Feature | DSCR Cash-Out | Conventional Refi | HELOC |
|---|---|---|---|
| Income Verification | Not Required | Full Documentation | Required |
| DTI Calculation | Not Required | Required | Required |
| Max LTV | 70-80% | 75-80% | 80-85% |
| Investment Properties | Yes | Limited (10 max) | Primary Only |
| LLC Ownership | Allowed | Rarely Allowed | Not Allowed |
| Closing Time | 2-4 Weeks | 30-45 Days | 30+ Days |
Clear House Lending's network includes DSCR lenders specializing in cash-out refinances. We'll help you extract equity from your rental properties to fund your next investment—without the documentation hassle of conventional financing.
Financing solutions for every stage of the commercial property lifecycle
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