DSCR Cash-Out RefinanceFor Rental PropertiesPull Equity Without Personal Income Docs.
- Up to 80% LTV at 680+ FICO in select states through Program 3
- Program 3 can use new ARV immediately after completed renovation
- Program 1 offers $50,000 minimum loans with a $75,000 minimum property value
- Program 7 can consider low FICO or no FICO, with qualifying refinances up to 60% LTV and no minimum DSCR ratio requirement
No credit pull for the initial quote · Rates within 24 hours · Typical 28-day close with complete documentation
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Quick Answer
What Is a DSCR Cash-Out Refinance?
A DSCR cash-out refinance replaces an existing investment-property loan with a larger loan and returns the excess proceeds to the investor. Get Brick Capital works with multiple capital partners, so leverage, seasoning, lease, loan-size, credit, and DSCR requirements vary by program. The strongest feature from one program should not be assumed to combine with another program's strongest feature.
Current Cash-Out Rate Factors
See how FICO, LTV, DSCR, loan size, property type, and prepayment structure affect pricing.
How Cash-Out Works
Follow the process from loan sizing and appraisal through underwriting and closing.
Maximum Cash-Out LTV
See why the maximum changes by state, credit profile, seasoning, and capital partner.
No Minimum DSCR Program
Program 7 can offer qualifying refinances up to 60% LTV with no minimum DSCR ratio requirement.
Separate Capital-Partner Options
DSCR Cash-Out Programs
These columns are intentionally separate. Do not combine the small-balance minimum, no-seasoning treatment, 80% state-specific leverage, or Program 7 flexibility into a single loan.
Purchase price plus documented renovation budget must support the loan amount when using the new ARV. Before 91 days, leverage can use the original purchase/value basis.
Minimum loan $75,000, minimum property value $100,000, no lease required.
Program 7 through Get Brick Capital is unavailable in MN, ND, SD, MT, UT, and VT.
Where 80% Cash-Out Is Available
Program 3 can reach up to 80% cash-out LTV at 680+ FICO in AL, CO, GA, ME, MI, MS, MO, NC, NH, PA, TN, TX, VA, and WA. Outside those states, Program 3 is generally capped at 75% LTV. The final maximum can still be lower based on DSCR, property type, value, loan size, and other program overlays.
Separate Small-Balance Option
A separate capital-partner program can handle Section 8 and smaller-balance loans. These minimums should not be read as the terms of the no-seasoning or 80% LTV program.
Low DSCR and No-Minimum-DSCR Options Are Different
A standard qualifying option can go down to 0.75 DSCR and generally carries a higher-rate tradeoff. Program 7 is separate and has no minimum DSCR ratio requirement, with qualifying refinances up to 60% LTV.
Illustrative Deal Example
How Cash-Out Loan Sizing Works
Assume a rental property appraises for $320,000 and the applicable program supports 75% LTV. Maximum new loan at 75% LTV: $240,000. The existing mortgage is paid from the new loan. Remaining proceeds, less closing costs and any required funds, are available to the borrower for an eligible business purpose. Final sizing can also be limited by DSCR, credit, seasoning, property type, state, and the capital partner that fits the file.
Deal Snapshot
Illustrative Value
$320,000
Illustrative LTV
75%
Max New Loan
$240,000
DSCR Cash-Out Refinance FAQ
Cash-Out Situations
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Related Loan Programs
BRRRR Refinance
Use the new ARV immediately after completed renovation through the qualifying no-seasoning program.
Learn More →Exit Short-Term DebtRate & Term Refinance
Move from bridge, hard money, or an ARM into long-term DSCR financing.
Learn More →LTR PurchaseDSCR Purchase, LTR
Buy your next long-term rental with DSCR.
Learn More →DSCR Cash-Out Guides
DSCR Cash-Out Refinance Rates
What drives cash-out pricing and how to compare a quote.
Learn More →ProcessHow DSCR Cash-Out Works
Step by step, from loan sizing through closing.
Learn More →LeverageMaximum LTV on Cash-Out
How LTV limits change by program, credit profile, property, and state.
Learn More →