Rate & Term Refinance · Exit Hard Money

Exit Your Hard Money Loan.Lower Your Rate.30-year Term. Keep Your Rental.

Exit bridge loans, hard money, and ARMs into long-term fixed rate
No income docs - qualify on rental income only
Improve your DSCR ratio and monthly cash flow
DSCR as low as 0.75 on expanded program

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No credit pull · Rates within 24 hours · Consistent 28-day closings

Quick Qualify

Max LTV80%

Min Credit Score660+

Min DSCR0.75+

Hard Money ExitYes

Income DocsNone

Avg Close Time28 Days

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Loan Programs

Rate & Term Refinance Programs

No income docs on any program. Qualify on rental income only.

StandardCompetitive rates

680+ FICOUp to 75% LTV

660–679 FICOUp to 70% LTV

ExpandedHigher rates · More flexibility

660+ FICOUp to 80% LTV

720+ FICOMin DSCR 0.75

Program 7Higher rates · LTR only · 1–4 units

650+ FICOUp to 75% LTV

500+ FICOUp to 50% LTV

Section 8 & Small Balance Loans Welcome

We fund Section 8 rental properties and small balance loans that most lenders won't touch.

Min property value: $75,000

Min loan amount: $50,000

Real Deal Example

Hard Money Exit: How It Works

You have a hard money loan at 11% interest-only on a rental property worth $280,000. Monthly payment: $2,567. Monthly rent: $2,100. You're losing $467/month. After a rate & term refinance at 6.5% on a 30-year amortizing loan at 75% LTV: New loan: $210,000 New monthly payment: $1,328 Monthly rent: $2,100 DSCR: 1.58×, strong positive cash flow. Monthly savings: $1,239.

Deal Snapshot

Hard Money Rate

11.0%

New DSCR Rate

6.5%

Old Payment

$2,567

New Payment

$1,328

Monthly Savings

$1,239

Closed in 28 Days ✓