Is 80% LTV Available on a DSCR Cash-Out Refinance?
Yes, but it is not a universal DSCR cash-out limit. Get Brick Capital's current 80% cash-out option is through Program 3 for qualifying borrowers with at least 680 FICO in a specific group of states. Outside that footprint, Program 3 is generally capped at 75% LTV.
80% Program 3 footprint
AL, CO, GA, ME, MI, MS, MO, NC, NH, PA, TN, TX, VA, and WA
Program 3 Requirements for the 80% Option
FICO: 680+ for the select-state 80% cash-out tier.
Minimum loan: $75,000.
Minimum property value: $100,000.
Lease: not required on Program 3.
Completed renovation: new ARV can be used immediately once rehab is complete.
80% LTV Does Not Mean Every File Receives 80%
LTV is only one sizing constraint. DSCR, property type, loan size, appraisal value, state, credit profile, and other capital-partner overlays can reduce the maximum. A rural property, for example, can carry an LTV reduction even when the borrower otherwise meets the 80% credit and state requirements.
The clean way to think about 80% is as the highest available Program 3 ceiling in the eligible states, not a promise that every rental property will reach that leverage.
What If the Property Is Outside the 80% States?
Program 3 is generally capped at 75% cash-out LTV outside the listed states. Other programs may solve a different part of the file, but their features should not be stacked together. Program 1, for example, has a $50,000 minimum loan and $75,000 minimum property value, but it requires a lease and generally requires 91 days of ownership before using a new/current ARV for cash-out.
Program 7 is the separate low/no-FICO option. Its leverage ranges from 50% to 75% depending on the credit tier and carries materially higher pricing.
What 80% LTV Means in Dollars
Illustrative example
Property value: $300,000
80% LTV ceiling: $240,000
Existing payoff: $150,000
Gross equity above the payoff is $90,000 before closing costs and any other required funds. Final loan sizing can be lower than the LTV ceiling.
See Whether Your File Reaches 80%
Send the state, value, rent, payoff, FICO range, purchase date, and renovation status. We will match the scenario to the wholesale options that fit.
Get a Quote →Related Cash-Out Questions
If the main question is the highest leverage available across all scenarios, read the maximum DSCR cash-out LTV guide. If rehab was just completed, the post-rehab cash-out guide explains when the new ARV can be used immediately. For all current program paths, use the cash-out refinance hub.