No hard pull
Fund the next acquisition
Pull equity from property one, use it as the down payment on property two. The BRRRR loop — running without selling anything.
CASH-OUT DSCR
See how much equity
you can pull out.
Drop the address. We calculate your LTV ceiling, run the DSCR, and show you the cash out available in 60 seconds.
Home loan
No hard pullNo W2No DTI
AI ModeNo W2No DTINo hard pull14-day close
How it works
Turn equity into capital. Without touching your W2.
A cash-out DSCR refinance lets you pull equity out of a stabilized rental property and put it to work — without tax returns, DTI calculations, or employment verification.
The property qualifies itself. As long as the rental income covers the new loan's PITIA (DSCR ≥ 1.0x), you get the cash.
This is the mechanism behind every smart operator who keeps buying without needing to save up cash each time. Equity in deal one funds the down payment on deal two.
Worked example
4-unit rental · Atlanta, GA
- Current property value
- $680,000
- Max LTV (75%)
- $510,000
- Existing loan payoff
- − $320,000
- Cash in your account
- $190,000
Monthly rent$4,900
New PITIA$3,842
DSCR1.28x ✓
Rate8.25%
Use cases
What operators use cash-out for.
The cash doesn't care what you use it for. Here's what most operators are doing with it.
Renovate to increase rent
Cash-out now to fund a kitchen or bathroom upgrade that pushes rent from $1,800 to $2,300. The DSCR still works at the higher loan balance.
Pay off a bridge loan
If the stabilized property has equity, a cash-out DSCR refi pays off the bridge and puts extra cash in your pocket at the same close.
Build a capital reserve
Smart operators keep 6–12 months of PITIA in liquid reserves. Cash-out lets you replenish reserves without touching operating income.
Qualification
What we look at. And what we don't.
What we look at
- Property cash flow (DSCR)
Monthly rent must cover new PITIA at ≥1.0x.
- LTV ceiling
Max 75% of current appraised value on cash-out refi.
- Seasoning
Typically 3–6 months of ownership before cash-out. Ask us about your specific situation.
- Entity structure
LLC preferred. Individual and foreign national eligible.
- Reserves
6 months of new PITIA in liquid assets, verified by bank statement.
What we don't
- Your W2 or personal income
The property pays the loan. Your income is irrelevant.
- Tax returns
We don't need to see your Schedule E or business filings.
- DTI ratio
No debt-to-income calculation. DSCR is the only ratio that matters.
- Employment verification
Self-employed, retired, or between jobs — doesn't matter.
- Number of properties owned
No Fannie Mae 10-loan ceiling. Own 50 properties — we don't care.
Funded pipeline
Real cash-out deals.
Cash-Out DSCR
Atlanta, GA
$510,000 @ 8.25%
4-unit multi-family · Cash used for next acquisition down payment.
Property value$680K
Cash out$190K
DSCR1.28x
Closed in14 days
Cash-Out Refi
Houston, TX
$318,000 @ 8.0%
SFR owned free-and-clear. First lien cash-out. Funds used to pay off bridge on adjacent property.
Value$425K
DSCR1.22x
Cash out$318K
Closed in16 days
Cash-out terms
Cash-out terms.
Cash-out carries a small rate premium vs. purchase — typically 0.25–0.5%. Here's the full picture.
| Parameter | Range / Options | Notes |
|---|---|---|
| Max LTV | Up to 75% | Of current appraised value |
| Min DSCR | 1.0x standard | 0.75x No-Ratio | At reduced LTV |
| Seasoning | 3–6 months typical | Free-and-clear may qualify sooner |
| Rate premium | +0.25 – 0.50% | Vs. purchase pricing |
| Reserves | 6 months new PITIA | Can be sourced from cash proceeds |
| Property types | SFR | 2–4 | 5–10 | Condo | STR income eligible |
Common questions
Cash-out refi FAQ.
Yes — a first-lien cash-out DSCR refi on a free-and-clear property is one of our most common requests. Max 75% LTV of appraised value.
See how much equity you can pull out.
Drop the address. We calculate your LTV ceiling, run the DSCR, and show cash-out available in 60 seconds.
- No W2
- No DTI
- No hard pull
- 14-day close
No W2