DSCR CASH-OUT REFINANCE · NO SEASONING
DSCR cash-out refinance: put your rental equity back to work
Pull cash out of your rental property based on what it rents for, not your tax returns. No seasoning, up to 80% of ARV on approved loans, and the loan closes in your LLC.
No credit pull to start · Approvals in 24–48 business hours
HOW IT WORKS
How a DSCR cash-out refinance works
Value
The appraisal sets the value. With no seasoning, we lend on today’s appraised value, your full ARV after a rehab, not what you paid.
Rent
The loan qualifies on the property: rent divided by PITIA (principal, interest, taxes, insurance and HOA). A 1.00 DSCR qualifies with every program we work with.
Cash out
The new loan pays off your existing loan, and the rest comes back to you. Refinance proceeds are loan proceeds, not income. Talk to your CPA about your situation.
Not sure the rent covers it? Run it in our DSCR calculator before you apply.
WHY DSCR KINGS
What sets our cash-out refinance apart
No seasoning
Refinance as soon as the work is done or the deal closes. No six-month wait.
80% of ARV
Up to 80% of the full appraised value on approved loans, not your purchase price plus rehab.
Cash-out counts as reserves
Your cash-out proceeds can satisfy reserve requirements, so you don’t need extra cash sitting in the bank.
Four ways to count rent
Lesser of actual or market, market only, actual up to 120% of market, or 100% of actual. We match your deal to the one that helps most.
Vacant is fine
No tenant yet? Vacant properties qualify on market rent from the appraisal.
Closes in your LLC
Hold title in your entity for asset protection. Business-purpose loans in an entity typically stay off your personal credit.
A REAL DEAL
Down payment back, plus cash
The investor bought with 10% down, renovated, then refinanced at 80% of the $339K ARV with no seasoning. They got their $18K down payment back, plus roughly $40K of equity in cash, and kept the property. That’s our SUPER BRRRR.
WHO IT’S FOR
Who uses a DSCR cash-out refinance
- Rental owners sitting on equity who want capital for the next deal without selling.
- BRRRR investors finishing a rehab who need to exit hard money and pull their capital back out. See fix and flip loans.
- Cash buyers who want their money back out right away, with no seasoning.
- Short-term rental owners qualifying on projected Airbnb income. See short-term rental loans.
STRAIGHT ANSWERS
DSCR cash-out refinance questions
Do I have to own the property for six months before a cash-out refinance?
No. Our DSCR cash-out refinances have no seasoning requirement, so you can refinance as soon as the deal closes or the rehab is done, based on the new appraised value.
How much cash can I take out?
Up to 80% of the appraised value (your ARV) on approved loans. The new loan pays off your existing balance, and the rest comes back to you in cash.
Is the cash I take out taxable?
Refinance proceeds are loan proceeds, not income. Talk to your CPA about how the new loan fits your overall tax strategy.
Can I cash-out refinance a vacant property?
Yes. Vacant properties qualify using market rent from the appraisal, so you don’t have to wait for a tenant.
Can I cash out an Airbnb or other short-term rental?
Yes. Short-term rentals can qualify on projected income from market data such as AirDNA. Most lenders take a 20% haircut off the gross for cleaning, host fees and supplies.
Will the loan show on my personal credit?
Business-purpose loans that close in an LLC or other entity typically don’t report to your personal credit.
DSCR KINGS · INVESTOR FINANCING
See how much cash your rental can produce
Send us the property, your current balance and the rent. We’ll show you the structure that gets you the most cash back. No credit pull to start.
Business-purpose loans for investment properties only; not for owner-occupied homes. Terms, leverage and approval depend on the property, the borrower’s credit and capital-partner guidelines and are not guaranteed. Programs and availability vary by state.
