DSCR cash-out refinance rates
A DSCR cash-out refinance lets you pull equity from a rental on its cash flow alone — no tax returns. Cash-out usually prices a touch higher and caps at a lower LTV than a purchase. Here’s how lenders compare on cash-out scenarios.
Featured: Cash-Out Refi · 70% LTV · 760 FICO · 1.30 DSCR · SFR
All lenders with live pricing, sorted lowest first.
| Lender | Est. Rate | Base + Spread + Adj. | Est. Monthly P&I | Apply |
|---|---|---|---|---|
| RCN CapitalLowest | 5.335% | 4.23 + 0.98 + 0.125 | $1,672 | View lender → |
| Park Place Finance | 5.835% | 4.23 + 1.48 + 0.125 | $1,767 | View lender → |
| Easy Street Capitaldated | 5.835% | 4.23 + 1.48 + 0.125 | $1,767 | View lender → |
| Kiavi | 5.960% | 4.23 + 1.60 + 0.125 | $1,791 | View lender → |
| Lima One Capital | 6.085% | 4.23 + 1.73 + 0.125 | $1,815 | View lender → |
| New Silver | 6.085% | 4.23 + 1.73 + 0.125 | $1,815 | View lender → |
| Griffin Funding | 6.210% | 4.23 + 1.85 + 0.125 | $1,839 | View lender → |
| Defy Mortgage | 6.210% | 4.23 + 1.85 + 0.125 | $1,839 | View lender → |
| HomeAbroad | 6.210% | 4.23 + 1.85 + 0.125 | $1,839 | View lender → |
| OfferMarketdated | 6.335% | 4.23 + 1.98 + 0.125 | $1,864 | View lender → |
| Stratton Equities | 6.585% | 4.23 + 2.23 + 0.125 | $1,913 | View lender → |
All cash-out refinance scenarios
Cash-Out Refi · 70% LTV · 760 FICO · 1.30 DSCR · SFR
5.33%Cash-Out · 75% LTV · 720 FICO · 1.20 DSCR · 2-4 Unit
6.21%Cash-Out · 70% LTV · 740 FICO · 1.25 DSCR · Condo
5.58%Cash-Out · 65% LTV · 720 FICO · 1.30 DSCR · SFR
5.58%Cash-Out · 75% LTV · 680 FICO · 1.05 DSCR · SFR
6.33%FAQ
- What rate should I expect on a cash-out refinance DSCR loan?
- Across 5 cash-out refinance scenarios we model, estimates currently run 5.33%–6.33% depending on credit, leverage, and coverage. These are indicative, not quotes.
- Which lenders do cash-out refinance DSCR loans?
- All 11 lenders with live pricing on the site quote cash-out refinance deals; the table compares them for a representative scenario, and each scenario links to its full lender breakdown.
Estimated, not a quote.Each lender’s starting rate is anchored to its own publicly-advertised “as low as” DSCR rate (cited and dated on the lender’s page); per-scenario figures apply a standard industry adjustment model— not any lender’s confidential pricing grid — so the comparison stays apples-to-apples. These are not offers; your actual rate depends on the lender, property, and full profile. PropertyInvestorRates may earn a referral fee on a funded loan. We are not a lender or mortgage broker.