Apartment Investment Property Refinance Lender
A one- to four-unit rental refinances through residential-style DSCR underwriting built on a lease and an appraisal rent schedule.
A one- to four-unit rental refinances through residential-style DSCR underwriting built on a lease and an appraisal rent schedule.
– Program ceilings run 70-80% combined loan-to-value depending on occupancy and credit tier — investment property tops out lower than a primary residence.
Most investors use it as a short-term bridge to acquire and renovate a property, then refinance into permanent financing once a tenant is paying rent.
For most rental owners who need a bigger check, a lower credit floor, or LLC-friendly title, a DSCR cash-out refinance ends up being the more workable path.
Can I Claim Mortgage Refinance Points When Selling Rental Property — Generally, yes.
Which lane applies decides everything else — documentation, leverage, and pricing.
That tends to hold mainly on a primary residence with clean, single-source income.
This piece walks through both playbooks start to finish, including the exceptions that trip investors up.
National data backs up why this product is getting more attention right now.
– Refinance points and lender fees are amortized straight-line over the loan term — not deducted the year they’re paid.
It’s not complicated once you see the mechanics. It’s just not intuitive, and almost nobody explains it in plain terms before the refinance happens.
80 DSCR Refinance — The Quick Read: On a DSCR purchase, 80% LTV is a realistic leverage tier for many borrowers.
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