DSCR Refinance Programs

Every Type of DSCR Refinance

No income docs on any program. No W-2s, no tax returns, no employment verification. Qualify on the property's rental income.

DSCR refinance loans are designed for real estate investors who want to pull equity, lower their rate, or restructure their portfolio without providing W-2s or tax returns. Qualification is based on the property's rental income relative to its debt obligation — not your personal income. Get Brick Capital works with capital partners across 46 states to match your scenario to the right program, whether you are refinancing immediately after purchase, working with a credit score under 680, or exiting a hard money loan with no seasoning requirement. Submit your scenario and receive a qualification decision within 24 hours.

No Seasoning · No Lease

BRRRR Refinance

Refi on new ARV the day rehab is done. No waiting 6–12 months like other lenders require. No lease needed. DSCR as low as 0.75.

Up to 80% LTVNo SeasoningNo Lease0.75+ DSCR

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Cash-Out Refinance

Unlock equity from any rental. No income docs. Section 8 welcome. Min loan $50,000.

Up to 80% LTV660+ FICONo W-2s

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Exit Hard Money

Rate & Term Refinance

Exit your bridge loan or ARM. Fix your rate, extend your term, improve cash flow.

Up to 80% LTV660+ FICOFix Rate

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Bought Cash? Get It Back

Delayed Purchase

Also listed under Purchase

Recoup your cash the day after closing. Start the process at the closing table. Must complete within 180 days.

Up to 80% LTV680+ FICONext Day

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Find Your Scenario

Refinance Situations We Close

Pick the page that matches your deal. Every situation here closes regularly — these are the scenarios other lenders walk away from.

BRRRR & Post-Rehab

Same Day Rehab Done →After Rehab, No Tenant →Hard Money Balloon, No Lease →BRRRR Lender, No Lease →Refi Based on ARV →No Seasoning Cash-Out →

Cash-Out

Sub-1.0 DSCR Cash-Out →Section 8 Cash-Out →$50,000 Minimum Loan →Pull Equity from Duplex, No W-2 →660 Credit Cash-Out →Qualify on Projected Rent →Cash-Out, No Employment →Refi on Cash Purchase Same-Day →

Lower Credit Tiers

660 FICO, No Lease →650 FICO Refinance →640–650 FICO Refinance →500 FICO Refinance →

No W-2 / No Income Docs

Refinance, No W-2 →Refinance, No Tax Returns →Hard Money Exit, No Income Verification →

Process & Speed

Close in 30 Days, No Phone Call →

Ready to Refi Your Investment Property?

No credit pull. Rates within 24 hours.

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