Is 80% LTV Available on a Cash-Out Refi?
Yes: on both the standard and expanded DSCR programs. Standard program: 680+ FICO qualifies for up to 80% LTV. Expanded program: 660+ FICO qualifies for up to 80% LTV at higher rates. This is the maximum LTV available on DSCR cash-out refinances at Get Brick Capital.
What 80% LTV Means in Dollars
Scenario A: Property with Existing Mortgage
Scenario B: Free and Clear Property
The Two Programs That Reach 80%
Standard Program: Best Rates
680+ FICO qualifies for up to 80% LTV. Minimum 1.0 DSCR on the subject property. No income docs. Close in LLC. Standard market rates: the best pricing available across all DSCR programs.
Expanded Program: More Flexibility
660+ FICO qualifies for up to 80% LTV at higher rates. Accommodates sub-1.0 DSCR (floor 0.75), Section 8 properties, and small balance loans from $50,000. If your DSCR is between 0.75 and 1.0, or your credit is 660–679, the expanded program reaches the same 80% LTV ceiling, at a rate premium.
The DSCR Constraint
LTV is not the only factor limiting loan size. The DSCR calculation may constrain the loan below 80% LTV if projected rent doesn't support the debt service at that loan amount. Run the math before submitting:
Max Loan From DSCR Perspective
Rent ÷ 0.75 = Max PITIA
Max PITIA → back-calculate max loan amount
If that number is below 80% LTV, the loan is constrained by DSCR, not LTV. The lower of DSCR-derived maximum and LTV cap determines your loan amount.
Want 80% LTV Cash-Out?
Submit your deal. We'll confirm which program fits your scenario.
Submit Deal Summary →660 FICO vs 680 FICO: The Difference
At 660–679 FICO, the standard program caps at 70% LTV. To reach 80% LTV at 660+ FICO, you use the expanded program at higher rates. The 10% LTV difference on a $250,000 property is $25,000 in additional proceeds: whether that's worth the rate premium depends on your use of funds. If you're deploying that $25,000 into a deal that returns 15%+, the higher rate on the incremental loan amount is almost certainly worth it.
We send your rate for both programs within 24 hours of deal submission. You can compare the numbers directly before deciding which to proceed with.