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EXPLORE DSCR LOAN FAQs

DSCR REFINANCE LOANS

REFINANCING Designed for Real Estate Investors

Refinancing your investment property should be easy, not complicated. With Modern DSCR Refinance, you can access cash-out options, lower rates, and flexible terms—all without the hassle of traditional income verification. Instead of relying on personal tax returns, we focus on the income potential of your property, making it easier for real estate investors to qualify.

✅ No Tax Returns or Personal Income Required – Qualify based on property cash flow.

✅ Cash-Out Refinancing Available – Use equity to reinvest in new opportunities.

✅ Flexible Loan Terms – Choose from interest-only, fixed, or adjustable-rate options.

✅ Fast, Investor-Friendly Process – Streamlined underwriting for quicker closings.

🚀 Unlock the full potential of your investment with a smarter DSCR refinance. Apply today!

Run your own scenarios using our

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✅ HOW TO QUALIFY FOR A DSCR REFINANCE LOAN

To qualify for a traditional DSCR refinance loan, applicants must have the following:

 

  • Ownership Equity stake of 25%. For single-unit properties, and 2-4 unit multi-family homes,

  • MINIMUM FICO for a DSCR Loan is 620 or higher. Credit scores < 700 may affect LTV. (see loan originator for details)

  • Ownership interest in the property for 6 months or longer.

  • HAVE 3 OR MORE ACTIVE CREDIT TRADELINES APPEARING ON CREDIT HISTORY FOR THE MOST RECENT 12 MONTHS, *OR* 2 active tradelines for the most recent 24 months.
  • DSCR RATIO - Property being financed must have a sufficient DSCR (Debt Service Coverage Ratio) of 1.00 or higher for refinance transactions

* If the property being financed does not have a sufficient DSCR ratio, try our NO RATIO DSCR PROGRAM »

 

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👉 KEY PROGRAM HIGHLIGHTS:

 

  • Ideal for Real Estate Investors looking for an easier way to refinance rental properties, without the hard money interest rates and terms.

  • Investment Homes Only - Owner cannot occupy any part of the property

  • 🚀 Fast Turn-around time: Most DSCR loan programs fund in 3-5 weeks.
  • 💵Take Cash-Out for property improvement or other investment opportunities

  • No Tax Returns or Personal Income needed to qualify

  • Qualify on the income potential of the property (aka - "DSCR Ratio Formula")

  • Single-Unit Homes and 2-4 Multi-Unit Homes and 5-8+ Unit Properties

  • 📌 NO RATIO DSCR PROGRAM - If your property is not currently cash-flowing sufficiently to refinance with a DSCR of 1.00 or higher, be sure to try our No RATIO PRO program. With this DSCR program, no DSCR Ratio is calculated.  

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💡 DSCR LOANS: The SMARTER Way to Refinance

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INNOVATIVE SPECIALTY DSCR SOLUTIONS FOR PROPERTY INVESTORS

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LOW Credit? High Equity?
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1 Unit | 2-4 Unit |  5-9+ Unit | Mixed-Use

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🔥 #1 TOP NEW PROGRAM

No RATIO PRO
DSCR with No Market Rent Restrictions – Invest Freely.

1 Unit | 2-4 Unit |  5-9+ Unit | Mixed-Use

⭐ TOP RISING NEW PROGRAM

COMMERCIAL SIMPLICITY

Commercial Financing Without the Red Tape.

Office | Retail | Warehouse | Self-Storage | Automotive

1 Unit | 2-4 Unit |  5-9+ Unit | Mixed-Use

REHAB PLUS+

Fix and Flip Financing Without the Hassle.

1 Unit | 2-4 Unit |  5-9+ Unit

SPRINT BRIDGE

Bridge Financing Without the Hassle or Hard Money Terms.

1 Unit | 2-4 Unit |  5-9+ Unit | Mixed-Use

WHAT WOULD YOU LIKE TO DO?

SELECT:

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🔎 BASIC ELIGIBILITY CRITERIA

(FOR REFINANCE TRANSACTIONS)

Minimum Loan Amount

$100,000 per loan

 

Maximum Loan Amount

$4MM

 

Acceptable DSCR Ratio

1.00 or Higher

 

Vacancy

Property must be tenant-occupied.

🚫  Vacant properties are ineligible for DSCR refinancing.

 

NO RATIO DSCR PROGRAM:  No DSCR Ratio is calculated for this program. Get more info on our NO RATIO DSCR PROGRAM »

 

1 Unit Properties - Min FICO score / LTV (CASH-OUT)

650 - Max 75% LTV

640 - Max 65% LTV

600 - Max 60% LTV

550 - Max 50% LTV

 

1 Unit Properties - Minimum FICO score / LTV (NO Cash-Out)

720 - Max 80% LTV

660 - Max 75% LTV

640 - Max 65% LTV

600 - Max 60% LTV

550 - Max 50% LTV

 

Loan Repayment Terms

30 years

 

Amortization

30 Year Fixed Rate

 

Prepayment Penalties

Optional on most programs.  (see Loan Originator for Options and Details)

 

Max Cash-in-Hand (Cash-Out Refinances)

$500,000

 

Recent Housing Events

Minimum 36 months waiting period must elapse for prior Bankruptcy 7, Foreclosure, Short Sale or Deed-in-Lieu of Foreclosure
(See Loan Originator for details)

 

Escrows

Escrows for Property Taxes and Home Insurance optional.  (Credit Scores must be 660 or higher to waive escrow impounds)

 

Occupancy

Investment Purposes Only. Owner may not occupy any part of the property.

 

Acceptable Property Types

Single Family, Townhome/ Villa/ 2-4 Unit Multi-Family/ Condominium/ Condotel or Non-Warrantable Condominium, Manufactured Homes (on a limited basis), 5-8+ Unit Properties, Adult Care Facilities, Commercial Mixed-Use

 

UNACCEPTABLE Property Types

Modular Homes, Mobile Homes, Raw Land, Condotels, Log Homes, Dome Homes, Tiny Homes

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This is not a commitment to lend.  Not all borrowers will qualify for the loan programs listed.  All program terms and conditions are subject to change and may be discontinued without prior notice. Contact loan originator for program questions and scenarios.