Buy and refinance
NO-Income Verification
Material‑clean design. Investor‑first lending. Turn your cash‑flowing rentals into growth capital without touching tax returns or income docs.
No impact on credit. No obligation.
3–5 minute conversation with a senior DSCR specialist.
Loan amounts from $150k – $3M+ for 1–8 unit rentals
Qualify based on property cash flow, not W‑2 income
Cash out for new acquisitions, rehabs, or payoff of partners
Buy and refinance NO-Income Verification
Rental or Vacant Propeties
See how much cash you can pull out
Share your rental address and target cash‑out. We’ll map DSCR options and a funding timeline in a free, 24‑hour quote.
Average investor: $147k cash‑out, 15 days close.
Simple DSCR cash‑out in 4 steps
We underwrite your property’s income, not your personal tax returns—built for full‑time investors and side‑hustle landlords.
1. Free consult
Share property address, rent roll, and your cash‑out goals. In 15 minutes we map your DSCR strategy.
2. DSCR pricing
Within 24 hours, you’ll get a side‑by‑side rate and cash‑out matrix from multiple DSCR lenders.
3. Appraisal & docs
We coordinate valuation and minimal docs. No tax returns. No personal DTI. Just property performance.
4. Close & deploy
Typical close in 15 days. Cash wired to your account, ready for your next deal or payoff.
Why investors choose DSCR cash‑out
Keep scaling your portfolio while your properties qualify themselves. We structure every file from an investor’s perspective: speed, leverage, and cash flow on day one.
- Qualify using DSCR (Debt Service Coverage Ratio), not W‑2 or tax returns
- Lock in 30‑year fixed or interest‑only options tailored to investors
- Use cash‑out to buy more doors, renovate, or consolidate high‑interest debt
Who DSCR cash‑out is perfect for
If your rentals already cash flow and you want to unlock trapped equity for the next move, DSCR loans let the properties qualify themselves.
Ideal scenarios
- Long‑term rentals (1–8 units)
- Short‑term / mid‑term rentals
- Refi out of private or hard money
Basic guidelines
Investment only
FICO usually 620+ (case‑by‑case)
LLC or personal vesting options
Real investors, real cash‑outs
Every scenario below started with a free, no‑obligation consult—same as you.
I’m very grateful and appreciative for this dream that rafeal helped me achieve and there’s no way i could put this into words, his very patient and consistent and it’s just great, To achieve such a goal i couldn’t have done it without him and his teamwork.
Rafael did a good deal for us! Thank you so much !! I really recommend this guy, his service is incredible! We are soooo happy with our new Homeeeee!!! :D He’s super reachable whenever you have any questions or you don’t know something he will be there for you.
Absolutely grateful with this company. Rafael was amazing throughout the whole process, he guided me and explained everything to the tee. Him and Carlos Mendoza, my realtor, did an amazing job and helped me to get my first dreamed house. Thank you!!!
Amazing customer service and amazing knowledge! With One mortgage purchase or refinance your home it’s the best experience and the best deal ! Professional and dedicated team! A+ for this company.
Thank you very much to Rafael Delgado for his highly recommended services, very friendly and honest. Works fast and efficiently.
I would like to give over 5 stars, excellent services, professionalism is the key for these guys, thank you Rafael will be seeing you soon!
Rafael is extremely knowledgeable and incredibly professional. Definitely recommending everyone to him!
Very good person personally and professionally. He works very fast and at any time that you need him, he is available. I recommend him 100%
Ellos son muy buenos trabajan en equipo y hay esta la fuerza. . cuando se preocupan por mejorar tu compra y que quedes satifecha se lo recomiendo a todas las persanas que vayan a compar .muchas gracias por su ayuda estoy muy contenta de haber puesto mi casa en manos de ellos
Questions investors ask us first
Every market, property, and investor is different. Your free consult is where we run the numbers together.
What exactly is a DSCR loan?
A DSCR (Debt Service Coverage Ratio) loan is a mortgage underwritten primarily on the property’s ability to cover its debt payments with rental income. Lenders look at the ratio of net operating income to total debt service instead of relying on your personal DTI or tax returns. This makes it ideal for investors with multiple properties, complex returns, or significant write‑offs.
How much cash can I pull out with a DSCR cash‑out?
Most DSCR lenders allow cash‑out up to 70–80% of the property’s value, depending on the DSCR, property type, and your credit profile. During your free consult we’ll estimate your current value, expected DSCR, and give you a realistic range before you commit to an appraisal.
Do I need to show tax returns or W‑2 income?
In most DSCR structures, no. Lenders rely on the property’s income and expenses, your credit profile, and assets for reserves. We’ll let you know upfront if any additional documentation is required for your specific scenario.
How fast can we close a DSCR cash‑out refinance?
Typical timelines run 28–35 days from a complete file, depending on appraisal turn times in your market. We’ll set expectations on day one and keep you updated so you can plan acquisitions or renovations around the funding date.
Is the free consult really no‑obligation?
Yes. The consult is designed to help you run the numbers, understand current DSCR terms, and compare against other capital options. If it’s not the right move right now, you walk away with a clearer strategy and no cost.
Ready to see your DSCR cash‑out options?
Share your property details in a quick, secure Typeform. A senior DSCR specialist will send a tailored cash‑out strategy within 24 hours.
No spam. No obligation. Just straight answers for serious investors.
