Cash-Out Refinance
A refinance that pays off an existing mortgage and pulls additional equity out of the property as cash. DSCR cash-out refis cap at 75% LTV in 2026. Used to fund next acquisitions, recover BRRRR capital, or consolidate higher-rate debt. See DSCR Cash-Out Guide →
Why it matters on a DSCR loan
A DSCR cash-out is the workhorse for scaling a portfolio, but plan around the constraints: the new, larger payment must still pass the DSCR test at the higher loan balance, and reserve requirements are typically stiffer than on a purchase. Check your seasoning position early — how long you've owned the property affects whether the lender uses appraised value or your purchase price. Order your priorities before applying: maximum cash out, best rate, and lowest payment usually pull in different directions.
Related terms
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DSCR Calculator Get a QuoteReviewed by Arin Baghermian, Broker Owner — NMLS #1220456 · Last reviewed July 2, 2026 · DSCR Capital Partners is a brand of UTM Financial, LLC (NMLS #2591548).