DSCR Rate/Term Refinance

Lower your rate or adjust your term on existing rental properties.

Program Overview

Refinance your existing investment property mortgage to improve your cash flow or secure a fixed rate. Qualification is based on the current or projected rental income covering the new proposed mortgage payment.

Why Investors Choose This Program

Property-Cash-Flow Focus: Programs typically evaluate property cash flow rather than personal income documentation.
Unlimited Properties: Expand your portfolio without hitting Fannie Mae's 10-property limit.
LLC Closing: Protect your personal assets by closing in a corporate entity.
Faster Processing: Asset-based underwriting leads to quicker approvals.

Typical Required Documents

Property Appraisal (ordered by lender)
Current Lease Agreement (if rented)
Property Insurance Dec Page
2 Months Bank Statements (for reserves)
LLC Articles of Organization
Government-issued ID

Ready to move forward?

Submit a brief inquiry to review estimated pricing and leverage options for your specific deal.

For business-purpose loans on non-owner-occupied investment properties only.

Business-purpose/investment-property financing only. Not for owner-occupied primary residence loans.

DSCR Loans & Investment Property Financing Nationwide

Investor Loan Finder helps real estate investors apply for DSCR loans, fix-and-flip loans, hard money loans, and rental property financing — with no tax returns required. Get pre-qualified in minutes. After you submit, our team follows up with you about your request.

What Is a DSCR Loan?

A DSCR (Debt Service Coverage Ratio) loan qualifies borrowers based on property rental income rather than personal tax returns or W-2s. Ideal for real estate investors with multiple properties or self-employed income.