Cash-Out Refinance with a DSCR Loan: Unlocking Equity in Your Investment Properties
Real estate investing isn’t just about buying right—it’s also about knowing when to leverage the equity you’ve built.
A cash-out refinance using a DSCR (Debt Service Coverage Ratio) loan allows you to access capital tied up in your rental properties and redeploy it—without the burden of traditional income documentation or bank delays.
At QuickLend Capital, we help investors across Brooklyn, Charlotte, Savannah, Greenville, and Texas extract equity from cash-flowing assets and reinvest it into new opportunities with speed and flexibility.
What Is a Cash-Out Refinance?
A cash-out refinance replaces your existing mortgage with a new, larger loan—and you receive the difference in cash. It’s one of the most effective tools for investors looking to:
Acquire additional rental properties
Fund renovations or repositioning strategies
Pay off high-interest or short-term debt
Reinvest into new income-generating deals
When structured as a DSCR loan, the process becomes faster, lighter on paperwork, and tailored to investors—not homeowners.
Why Use a DSCR Loan for a Cash-Out Refinance?
Unlike traditional lenders, DSCR loans are underwritten based on property cash flow, not personal income, W-2s, or tax returns.
Key Benefits:
No income verification
Faster approvals and closings
Long-term fixed or interest-only options
Cash-out proceeds up to 75% LTV in many cases
Ideal for both long-term rentals and short-term rental properties (Airbnb/STR)
What You Need to Qualify
At QuickLend Capital, here’s what we look for when evaluating a DSCR cash-out refinance:
A stabilized investment property with verifiable rental income
A recent appraisal (we’ll coordinate it for you)
DSCR of 1.0 or higher, using actual or market-based rents
Minimum FICO score of 660
Ownership history—most cash-outs require the property to be held for at least 6 months
If the numbers work, we move fast to get you funded.
Where Investors Are Tapping Into Equity Right Now
We’re seeing increased cash-out refinance activity in:
Brooklyn, NY
Owners of small multifamily and townhomes are tapping into equity to acquire new assets or complete value-add renovations.
Charlotte, NC & Greenville, SC
Investors are using built-up equity from strong appreciation and cash flow to expand into nearby suburban markets.
Savannah, GA & Charleston, SC
Short-term rental operators are refinancing stabilized Airbnbs to fund the next wave of tourism-driven rentals.
Texas Markets (Dallas, Houston, Austin)
Long-term rental portfolios are being refinanced to shift from short-term bridge loans to long-term DSCR-backed capital.
Why Work with QuickLend Capital?
We understand investors because we lend like investors. Our DSCR cash-out programs are designed for speed, flexibility, and repeatable scale.
Here’s what you can expect:
Fast approvals—typically within 24–48 hours
Competitive rates and terms
Up to 75% LTV on cash-out refinances
Clear communication and real-time support
Nationwide lending with a focus on Brooklyn, the Southeast, and Texas
Unlock the Equity You’ve Built
If your rental property is stabilized and cash-flowing, it’s not just an asset—it’s working capital.
Contact QuickLend Capital today to get a custom cash-out refinance scenario and turn built-up equity into your next deal.