DSCR Refinance Programs

DSCR Refinance Options for Investors

Completed-renovation no seasoning, cash-out, hard-money exits, small-balance, low/no-FICO, and no-minimum-DSCR options.

Get Brick Capital works across multiple wholesale capital partners. That matters because seasoning, lease requirements, maximum LTV, credit rules, DSCR requirements, and loan minimums are not universal. We match the file to the program that actually supports the scenario instead of presenting the strongest terms from several partners as one product. DSCR income qualification does not use W-2s, pay stubs, or personal tax returns, although bank and asset statements can still be required for closing funds and reserves.

Completed Renovation

BRRRR Refinance

80% LTV is state-limited and requires 680+ FICO

Program 3 can use the new ARV immediately after completed renovation with no lease required. Minimum 660 FICO, $75,000 loan, and $100,000 property value.

No SeasoningNo Lease660+ FICO

See Full Program Details →

Pull Equity

Cash-Out Refinance

Do not assume all features combine on one loan

Cash-out options vary by seasoning, state, FICO, lease status, DSCR, and loan size. Program 1, Program 3, and Program 7 each solve different scenarios.

Up to 80% in Select States$50K Small-Balance OptionProgram 7 Refi up to 60%

See Full Program Details →

Low / No FICO, Weak DSCR

Program 7 Refinance

Available through GBC in 44 states; higher-rate program

Program 7 can consider low FICO or no traditional FICO score, with qualifying refinances up to 60% LTV, no minimum DSCR ratio requirement, and loan amounts up to $10 million.

Up to 60% RefiNo Minimum DSCRUp to $10M

See Full Program Details →

Exit Hard Money

Rate & Term Refinance

Exit bridge or hard-money debt into long-term DSCR financing. New-ARV treatment depends on seasoning and the selected capital partner.

Hard-Money ExitNo Personal Income DocsMultiple Partners

See Full Program Details →

Bought Cash? Get It Back

Delayed Financing

Also listed under Purchase

Program 1 can begin immediately after an all-cash purchase, up to 80% LTV of the purchase price, and must close within 180 days.

Program 1Up to 80%180-Day Window

See Full Program Details →

Find Your Scenario

Refinance Situations We Handle

Pick the page that matches your situation, then request a quote so we can identify which capital partner supports the exact combination of seasoning, FICO, lease status, DSCR, property type, and leverage.

BRRRR & Post-Rehab

Cash-Out After Rehab Guide →Cash-Out With No Lease Guide →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 →Best DSCR Lender With No Seasoning Requirements →Best DSCR Lender for BRRRR Refinance →

Cash-Out

No Minimum DSCR Program →Cash-Out vs Rate-and-Term →Cash-Out Rate Factors →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 →

Low FICO / No FICO

Program 7 Low or No FICO Guide →650 FICO Refinance →640 to 650 FICO Refinance →500 FICO Refinance →

No W-2 / No Tax Returns

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

Process & Speed

Close in 30 Days, No Phone Call →

See Your Refinance Options

No credit pull for the initial quote. Rates within 24 hours.

Get a Quote →