Are you looking for a 30-Year DSCR Rental Property Loan or $50k–$500k in 0% Interest Working Capital?
Syndicated DSCR Loan
30-year hybrid term, modeled after elite Wall Street structures
No income docs. No tax returns.
Finance rentals with as little as 10% down
Build long-term, generational wealth through cash-flowing assets
Working Capital Funding
$50K–$500K in 0% interest business credit & flexible term loans
Perfect for down payments, rehabs, Airbnbs, or scaling operations
Fast approvals with minimal documentation
Designed specifically for real estate investors
Cash-Out DSCR Loans for Real Estate Investors
Unlock your equity — no tax returns, no income verification, 21–30 day funding.
Key Benefit
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No Income Docs Needed
Airbnb Income Accepted
Refi + Cash-Out up to 80% LTV
Close in 3–4 Weeks
$200M+
Funded
Fast
Closing
Nationwide
(48 States)
Contents
What Is a DSCR Cash-Out Refinance?
A DSCR Cash-Out Refinance allows you to pull tax-free equity from your rental or Airbnb by qualifying only on the property’s cash flow — not personal income.
Use the equity to scale, renovate, or consolidate debt.
Use the equity to scale, renovate, or consolidate debt.
How Much Cash Can You Access?
Up to
75–80% LTV
75–80% LTV
on long-term rentals
Up to
70–75% LTV
70–75% LTV
on Airbnb/STR properties
No limit on number of properties
Best For Investors Who Want To:
Reinvest equity into more deals
Fund renovations or Airbnb furniture
Refinance out of hard money loans
Lower monthly payments with 30-year terms
Consolidate high-interest debt
Cash-Out DSCR Loan Requirements
Minimum Requirements:
No Required:
Credit Score:
660–700+
❌ No tax returns
DSCR:
1.0–1.25+
❌ No W-2s
Max LTV
75–80%
❌ No Income Verification
Property Types:
SFR, 2–8 unit, Condo, Townhome, STR
❌ No employment history
Reserves:
3–12 months PITI
How a DSCR Cash-Out Refi Works
Apply — 24-Hour Pre-Qualification
Only credit score + property financials needed.
DSCR + Appraisal
We calculate DSCR using actual or market rent (1007/1025).
Underwriting
Streamlined, no income docs.
Cash-Out + 30-Year Fixed Loan
Funds wired in as little as 3–4 weeks.
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Real Examples (What Investors Do With Cash-Out)
Buy more rental or Airbnb units
Pay off high-interest hard money loans
Refinance out of DSCR 12-month bridge loans
Renovate and force appreciation
Explore More DSCR Loan Options
No-Doc DSCR Loans → /dscr-loans/no-doc-dscr-loans
DSCR Loans for Airbnb & STRs → /dscr-loans/airbnb
DSCR for Fix & Flip → /dscr-loans/fix-and-flip
DSCR New Construction → /dscr-loans/new-construction
Multi-Family DSCR Loans → /dscr-loans/multi-family
Tools to Help You Maximize Your Cash-Out Refi
DSCR Calculator → /resources/calculators
Rental Analysis Templates → /resources/templates
Market Reports → /resources/market-reports
Investor Checklist → /resources/investor-checklist
Glossary (DSCR Terms) → /resources/glossary
Video Library → /resources/videos
Ready to Pull Cash Out of Your Rental or Airbnb?
We help you unlock equity fast — no income docs required.