DSCR cash-out refinance
Explore cash-out options for your rental property.
Put your property’s equity toward what’s next. Start with a few details, and we’ll review potential cash-out, payment, and prepayment options with you.
- Investment properties, including eligible short-term rentals
- No-seasoning options for qualifying scenarios
- No SSN or credit inquiry to send your request
VirtuaLending, Inc.
NMLS #2015906
What’s the property address?
Start with your investment property.
No SSN or hard credit inquiry to start.
DSCR program guidelines
Purchase, rate & term,
or cash-out. See how they compare.
Compare loan amounts, leverage, credit, rental income, and property requirements by loan purpose.
These are program ranges across different lending options. The lowest rate, minimum credit score, and highest LTV may apply to different scenarios and cannot necessarily be combined. Rates and availability can change. Final terms depend on the property, credit, rental income, loan structure, and underwriting.
Review my cash-out scenarioA clear next step
Know what you’re
working with.
- 1
Share your scenario
Start with the property, current balance, and your plans. Estimates are fine.
- 2
Get a focused review
Our team reviews your rental income, equity, and goals to identify potential options.
- 3
Compare the tradeoffs
Review cash-out, payment, fees, and prepayment terms before choosing a next step.
Understanding the numbers
Your equity is the starting point.
The new loan pays off your existing mortgage. What remains, after other liens and closing costs, is the cash you could receive.
Select programs offer up to 80% loan-to-value for qualifying scenarios. The right structure depends on the full review.
Leverage, valuation, credit, rental income, property eligibility, and documentation requirements vary by program.
- New loan at an illustrative 75% LTV
- $450,000
- Existing mortgage payoff
- − $300,000
- Illustrative closing costs
- − $15,000
- Illustrative cash received
- $135,000
Not a quote or offer. Actual value, loan amount, payoffs, and costs may differ. Additional liens reduce cash received.
How much cash could I access?+
The starting point is the eligible new loan amount, less your current mortgage and other liens, then closing costs. Select programs offer up to 80% loan-to-value for qualifying scenarios. Actual leverage and cash received depend on credit, rental income, property, valuation, documentation, and underwriting.
Can I refinance a property I recently purchased or improved?+
Select no-seasoning programs may allow an eligible investor to refinance without a traditional ownership waiting period. The lender determines the permitted value, leverage, and documentation. Tell our team about the purchase date and improvements when we review your request.
What if I do not know the value or rent yet?+
Estimates are welcome, and you can leave financial amounts blank. We will review the property details and the documentation needed to move forward. An estimated property value is not an appraisal.
Can we compare payments and prepayment options?+
Yes. Ask us to review eligible fixed-rate, interest-only, and prepayment structures for your scenario. Availability, rates, fees, and terms vary by program. This form does not produce a rate quote or approval.
Does this request affect my credit?+
Submitting this form does not run a credit inquiry. We ask only for an estimated credit range. Any credit review needed later is handled separately as you move forward.
What happens after I submit?+
Our team will review your request, and a confirmation email will follow. We will contact you using your preferred method to discuss your scenario, potential options, and any additional information needed.
Start with the property.
See what could come next.
A preliminary review, with a person to help you compare.