Restructure for profit by refinancing your investment property to cover costs and potentially turn a profit. Whether you're looking to lower your rate, pull cash out of equity-rich rentals, or consolidate multiple mortgages into one efficient loan, we're the investment property refinance lenders built to help you grow. No W-2 required -- we use property income through our DSCR loan program.
No W-2 Required
We use property income through our DSCR loan program instead of your personal employment history or tax returns.
1 to 500 Properties
No limits on the number of properties owned or financed. Consolidate your entire rental portfolio under one mortgage.
Entity-Based Lending
All loans close in LLCs or corporations, providing proper legal separation between personal and investment assets.
Up to 75% LTV
Cash-out refinance up to 75% of property value with 5, 10, or 30-year fixed rate options.
Why Refinance Your Rental Investment Property?
Refinancing your rental properties can lower monthly payments, free up cash for new acquisitions, and restructure debt into more favorable terms. As investment property refinance lenders, we walk you through every aspect of the process -- from understanding your current equity position to calculating your break-even point and optimizing your portfolio's cash flow.
With short-term rental mortgage options and DSCR programs, we offer paths to refinancing that traditional banks simply don't provide.
How Much Equity Can You Cash Out?
The total equity available depends on your property's current value and existing loan balance. We typically offer up to 75% LTV on cash-out refinances. If you own a property worth $300,000 with a $100,000 balance, you could potentially access up to $125,000 in cash -- capital to deploy into new acquisitions, renovations, or reserves.
You should have 25-30% of your home equity in place, and you'll have approximately 30% of your equity available to cash out. Use our mortgage refinancing calculator to determine your break-even point and how long it takes for your refinance to pay off.
Cash-out refinancing lets you deploy trapped equity into new income-producing properties
What Are the Best Reasons to Refinance an Investment Property?
You may want to refinance your investment property if you're looking to free up cash, consolidate multiple mortgages into one loan, change your loan terms for better monthly payments, fund improvements to your primary residence, or take advantage of better interest rates. The best reason for refinancing an investment property is always to advance your exit strategy and improve portfolio performance.
Convert Variable to Fixed Rate
Adjustable-rate mortgages may be less expensive initially but can cause problems if interest rates rise. A fixed rate guarantees your payment stays the same regardless of market changes. Refinancing is the simplest method to make that switch.
Take Cash Out for New Acquisitions
With a cash-out refinance, you can withdraw above the current loan amount on a new mortgage. That capital can pay for improvements to existing properties or fund entirely new acquisitions to grow your portfolio.
Lower Your Monthly Payments
If we can lower your rate, we reduce your monthly mortgage payments. For rental properties, that translates into additional cash flow that can be saved and reinvested to grow your portfolio.
Ready to Refinance Your Rental Portfolio?
With over $5.5B under management, we provide low fixed-rate bulk rental property mortgage loans for acquisitions, improvements, and restructuring. It's hard to find a financing partner that even comes close.
How Do You Refinance a Rental Property in 5 Steps?
Step 1: Organize Your Portfolio. Have your bank statements, property income history, insurance documentation, and current loan terms ready. This helps us calculate your best available rate.
Step 2: Gather Documentation. With our DSCR program, documentation is lighter than traditional refinancing. We focus on the property's income potential rather than your personal W-2s.
Step 3: Define Your Goals. Are you looking to expand, adjust your repayment period, take cash out, or reduce monthly payments? Clarity on your objectives speeds the process and gets you better terms.
Step 4: Apply Online or Call. Once you have your information ready, start the application. Our team will outline next steps and guide you through underwriting.
Step 5: Adjust Terms and Close. We work with you to finalize the loan structure that best fits your investment strategy. Switching from a 15 to a 30-year term, for example, may provide meaningful cash flow benefits.
Refinance Loan Parameters
| Term | Type | Recourse | Max LTV | Min. DSCR |
|---|---|---|---|---|
| 5 years | Fixed | Full recourse | 75% | 1.20x |
| 5 years | Fixed | Full recourse | 75% | 1.20x |
| 10 years | Fixed | Full recourse | 75% | 1.20x |
| 10 years | Fixed | Full recourse | 75% | 1.20x |
Refinance Program Highlights
- 1 to 500 rental properties -- no limits on portfolio size
- No personal income or debt ratios used -- DSCR qualification only
- 5, 10, and 30-year fixed rates with 30-year amortization
- Full recourse lending with cash-out refinance options available
- Portfolios located across the US are OK -- consolidate to 1 single mortgage
If you are in need of financing for a single property 30-year loan, visit that product page. For investors with multifamily or blanket loan needs, we have dedicated programs as well.
Your Investment Property Refinance Lenders
View loan program highlights for your investment home refinance or contact us for expert assistance in refinancing your rental property portfolio. We provide the best refinancing rates for investment property.