See how much cash you could pull out.
Estimate how much equity you can access from your investment property with a DSCR cash-out refinance — no login, no credit pull, no obligation.
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Put Your Equity to Work
3 Ways Investors Use Cash-Out
Turn property equity into capital you can use to keep growing, improving, and strengthening your real estate portfolio.
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Acquire
Acquire Another Property
Use available equity toward your next investment and continue expanding your portfolio without selling an existing property.
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Improve
Fund Renovations
Access capital for renovations, repairs, or value-add improvements designed to increase income potential or property value.
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Liquidity
Create More Liquidity
Turn a portion of your property's equity into accessible capital for future investments, reserves, or portfolio needs.
Cash-Out Refinance Questions, Answered.
Straightforward answers about DSCR cash-out refinancing on rental and investment property — how much you can access, what qualifies you, and when it makes sense.
A DSCR cash-out refinance replaces the existing mortgage on an investment property with a new, larger loan and returns the difference to you as cash. It qualifies on the property's debt service coverage ratio — monthly rent divided by the monthly payment (PITIA) — rather than your personal income, so no tax returns or W-2s are required.
It's the primary way investors access built-up equity in a rental without selling the property.
DSCR cash-out refinances are commonly available up to 75% of the appraised value (75% LTV). On a property appraised at $420,000, that's a $315,000 loan; after paying off an existing $210,000 balance, roughly $92,000 could come back to you as cash, before closing costs.
The exact amount depends on the appraisal, the property's DSCR, your credit, and the program's leverage limits.
DSCR cash-out refinances generally start at a $75,000 minimum loan amount and run up to around $3 million, across 1–8 unit properties.
If your payoff plus target cash-out lands below that floor, the loan can be tough to place — fixed closing costs take a larger bite out of a small balance, which is why most programs set a minimum.
No. OneDSCR doesn't require a seasoning period, so you can refinance and access equity whether you originally purchased the property with financing or with cash — there's no mandatory waiting period either way.
Use of proceeds is commonly unrestricted. Investors often put the cash toward the down payment on their next property, fund renovations on an existing one, or hold it as reserves — recycling equity from one rental into the next without selling.
No. Qualification is based on the property's rent versus its full monthly payment, your credit, and your reserves — not personal tax returns, W-2s, or a debt-to-income ratio.
That's what makes a cash-out refinance practical for self-employed investors and anyone whose write-offs make their taxable income look small on paper.
Yes. DSCR cash-out refinances commonly allow the property to be held in an LLC or other entity. Formation and vesting details are confirmed before closing, so financing and title can stay in the same entity.
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