Refinance on the rent
DSCR Refinance Loans for Real Estate Investors
A DSCR refinance replaces the loan on a rental property you own, using the property’s rent as the main way to qualify. We broker these loans in many states.
The Funding ClinicMailing address: 5665 W. Wilshire Blvd #1506, Los Angeles, CA 90036(844) 524-3863 · Mon–Fri 9:00 AM–5:00 PM
01 / Understand the loan
What to Know About DSCR Refinance Loans
Looking to refinance a rental?
A DSCR refinance checks whether the rent can cover the new loan payment. You can use it to change your terms, move out of a short-term loan, or take cash out.
Rent, property value, and your current balance all play a role in what you can borrow. The lender will also look at your credit and reserves.
02 / See how it fits
Who It Helps
- Owners who want a longer-term loan on a rental
- Owners with a short-term or hard money loan
- Investors who want to take cash out
- Owners with income that is hard to document
What to Have Ready
Requirements differ by lender and program. These items often come up:
- A completed loan application and credit authorization
- Your current mortgage statement
- The current lease and rent information
- Entity papers if the property is in an LLC
- Proof of reserves
03 / Wherever your deal is
DSCR Refinance Loans in Many States
We work with investors by phone and video, so you can book a call from wherever your property is. We can broker business purpose loans in the states below. Programs, terms, and availability depend on the lender and the state.
- Alabama
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- District of Columbia
- Florida
- Hawaii
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Mississippi
- Missouri
- Nebraska
- New Hampshire
- New Mexico
- New York
- Ohio
- Oklahoma
- Pennsylvania
- Rhode Island
- South Carolina
- Texas
- Vermont
- Washington
- West Virginia
- Wisconsin
- Wyoming
Investing in Los Angeles? See DSCR Refinance Loans in Los Angeles or see where we work.
04 / A little clarity
Common Questions
Can I take cash out?
Often yes, subject to the lender’s limits and the property’s value.
Can I refinance out of a hard money loan?
Many investors do this once the property is rented.
Does the property need a tenant?
Many lenders want a lease in place. Tell us your situation.
How is this different from a DSCR purchase?
A purchase is for buying a property. A refinance replaces the loan on one you already own.
05 / Explore your options
Other Investor Loans
Our track record
Recently Funded Loans
A few of the loans we arranged in the past year. To protect our clients’ privacy, we show only the loan type, city and month.
- DSCR loanColumbia, SCOctober 2026
- Investor refinanceIndianapolis, INOctober 2026
- RefinanceCompton, CASeptember 2026
- DSCR loanSavannah, GAAugust 2026
- DSCR refinanceMilwaukee, WIJune 2026
- DSCR loanSavannah, GAJune 2026
- DSCR loanAlbany, GAJune 2026
- Asset-based refinanceSan Diego, CAJune 2026
- DSCR purchaseSavannah, GAMay 2026
- DSCR loanAlbany, GAMay 2026
- DSCR loanMemphis, TNMarch 2026
Past results do not guarantee approval. Every loan depends on the lender’s review and the details of your deal.
Know Who You’re Working With
The Funding Clinic is a mortgage broker. We arrange loans funded by third-party lenders. View our BBB business profile to learn more about our company. Read our Google reviews
Your next move starts here
Ready to talk about your deal?
Tell us about your deal. We will help you find the right loan.
The Funding ClinicMailing address: 5665 W. Wilshire Blvd #1506, Los Angeles, CA 90036(844) 524-3863 · Mon–Fri 9:00 AM–5:00 PM