A NonQM123 DSCR Refinance Desk
Refinance the debt. Keep the rental property.
Explore a DSCR refinance for hard money, construction, bridge, private, or rental-property debt. Share your scenario for a specialist review of your refinance options.
Choose the debt exit
Start with the loan you need to replace.
Choose your current loan type to explore the refinance options.
DSCR Refinance
Understand the core rental-property refinance structure, rate-term, cash-out, and free-and-clear review paths.
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Exit Hard Money
Organize maturity, payoff, renovation status, rent, value, and the requested permanent-loan structure.
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Construction Refinance
Move from construction or rehab debt toward a completed or stabilizing rental-property file.
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Bridge Refinance
Prepare a bridge-to-DSCR exit around maturity, stabilization, rent, payoff, and retained liens.
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Private Money Refinance
Review a private note or private-lender payoff with title, lien position, property, rent, and ownership facts.
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Cash-Out DSCR
Separate requested proceeds, gross cash-out, existing payoff, retained debt, LTV, and CLTV.
Learn more →One disciplined review
See how your payoff, equity, and rent fit together.
Start with your current payoff, requested loan, property value, monthly rent, and any lien that will remain.
A specialist reviews the full picture and explains what is needed for a rate-term, cash-out, or free-and-clear request.
- No first mortgage? Enter a $0 payoff.
- Desired proceeds stay separate from calculated gross cash-out
- Retained subordinate debt is included in CLTV
- For non-owner-occupied investment property
- Review rate-term and cash-out goals
What happens next
From first review to a complete refinance file.
Start with your scenario. A specialist will explain the documents and application steps that follow.
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01
Build the refinance profile
Enter the current debt, payoff, maturity, property, rent, requested loan, ownership, seasoning, and goal.
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02
Review the possible structure
A specialist evaluates the preliminary facts and identifies the documentation and program questions that need resolution.
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03
Move into the full loan process
When the scenario moves forward, application, disclosures, valuation, title, insurance, entity, and underwriting requirements follow.
Prepare before you submit
Find answers before you start.
DSCR refinance requirements
See the property, rent, payoff, ownership, credit, state, and documentation categories used in review.
Open resource →How the refinance works
Follow the review, application, valuation, title, underwriting, condition, and closing sequence.
Open resource →State availability
Ask about current availability and ownership requirements for your property state.
Open resource →Refinance FAQ
Review practical answers about hard money exits, cash-out, liens, seasoning, rent, credit, and next steps.
Open resource →Questions investors ask
DSCR refinance answers.
These answers describe the review process and do not replace current program, lender, legal, or underwriting requirements.
Can I refinance out of hard money with a DSCR loan?
Eligible rental-property scenarios may be reviewed for a longer-term DSCR refinance from hard money. The review depends on the property, payoff, rent, value, ownership, seasoning, credit profile, state, current program, and underwriting requirements.
Can the review handle both rate-term and cash-out?
Yes. Choose rate-term, cash-out, or free and clear, then share your payoff, requested loan, any lien that will remain, and desired proceeds.
Is a hard credit pull required merely to start?
No hard credit pull is required merely to begin the initial scenario review. Credit documentation and authorization may be required later if the file moves forward.
Can I use this review for an owner-occupied property?
No. This website is limited to eligible non-owner-occupied rental or investment property used primarily for business purposes. Owner-occupied and personal-purpose requests are outside this review.
Ready to organize the refinance?
Tell us about your property and current loan. A refinance specialist will review your goals and explain the next steps.