For rental owners · Business-purpose only

Your next down payment is already built. It’s sitting in your last rental.

DSCR Cash-Out Refinance helps investors pull equity from non-owner-occupied rentals using loans qualified on rent. We shop wholesale lenders and size the cash-out around your next acquisition.

Start my cash-out Run my DSCR

Broker, not lenderAZ CMB Licensed · #CMB-2016143Qualified on rentLLC vesting welcomeWholesale lenders shopped

Why equity-first

Most portfolios stall on the down payment, not the deal.

You can find the property. Coming up with the next chunk of cash is the hard part. The answer is usually already on your balance sheet.

Equity is capital. Treat it that way.

Appreciation and paydown build equity that earns nothing until you use it. We help you size a cash-out that funds the next move without starving the property you already own.

Qualified on the rent.

DSCR programs look at what the property earns against its payment, not your W-2 or how your tax return reads after depreciation.

Shopped, not sold.

We are a broker. We arrange and shop financing from wholesale lenders and lay the options next to each other, including leverage, coverage and prepayment trade-offs.

Built for the next door.

Every scenario starts with your plan: the next purchase, the renovation, the bridge-loan exit. The cash-out is sized to the plan, not the other way around.

How it works

Four moves from trapped equity to keys in hand.

Show us the asset

Address, rent, rough value, current loan. Two minutes, no credit review.

We run both ceilings

Value-based leverage and rent-based coverage, across wholesale programs that fit.

Compare real options

Side-by-side: cash to you, payment, coverage, prepayment terms, timeline.

Close and redeploy

The wholesale lender funds, your old loan is paid off, and the equity goes to work.

Financing we arrange

Cash-out structures for how investors actually own.

Single doors, small multifamily, short-term rentals, whole portfolios, LLC-held or personal.

Core product

DSCR loans

How DSCR loans qualify rental property on rent instead of personal income, who they fit, and how a broker shops them across wholesale lenders for business-purpose investors.

Explore →Signature program

DSCR cash-out refinance

Replace your current rental mortgage with a larger DSCR loan and take the difference in cash. How DSCR cash-out refinancing works, what limits it, and how to plan the equity.

Explore →Multiple properties

Portfolio cash-out

Pull equity from several rentals in one transaction with a portfolio or blanket DSCR loan. How cross-collateralized cash-out works, the trade-offs, and when individual loans are better.

Explore →Vacation & short-term rentals

Short-term rental cash-out

Cash-out refinancing for vacation and short-term rentals using DSCR programs that qualify on booking income. What documentation is used and how STR income is evaluated.

Explore →Recover your cash

Delayed financing

Bought a rental with cash? Delayed financing lets you put a DSCR loan on it soon after closing to recover your capital. How it differs from a standard cash-out and what documentation matters.

Explore →Free tool

DSCR calculator

Enter rent, taxes, insurance, HOA and a loan you are considering. See your ratio, what it means and how large a loan the rent can carry.

Calculate →

The equity playbook

Pick the move. We will size the money.

A cash-out is a tool, and the strategy decides how to use it. These are the plays our investors run most — with the timing and seasoning rules that make or break each one.

Cash-out to buy the next rental

Most portfolios grow the same way: equity in one rental funds the next.

Cash-out for renovations

Some of the best returns in a portfolio come from properties you already own.

Seasoning requirements

“Seasoning” is lender shorthand for time.

LLC cash-out

Many investors hold rentals in a limited liability company for liability and bookkeeping reasons.

Quick start

Get an equity review.

Investment property only. No credit review to get started — just enough to point you at the right wholesale programs.

First name

Last name

Phone

Property state

Loan purpose

Occupancy

Business-purpose, non-owner-occupied investment property only. Submitting does not affect your credit; any credit review happens later and only with your authorization.

Straight answers

Questions investors ask first.

Cash-out math, seasoning, entities and what we are (a broker) and are not (a lender). See every answer or dig into the guides.

What is a DSCR cash-out refinance?

It is a refinance of a non-owner-occupied rental property in which a new, larger loan replaces the existing one and you receive the difference in cash. The new loan is qualified primarily on the property’s rent compared with its monthly payment — the debt service coverage ratio — rather than on your personal income.

Are you a lender?

No. DSCR Cash-Out Refinance is a brand of Loan Daddy LLC, a licensed mortgage broker. We arrange and shop financing from wholesale lenders. The wholesale lender underwrites, approves and funds the loan.

How much cash can I take out?

The loan is limited by the lower of two ceilings: the program’s maximum cash-out loan-to-value applied to the appraised value, and the largest loan the rent can support at the program’s minimum DSCR. Your current payoff and closing costs come out of that amount; the rest is your cash out.

What does seasoning mean?

Seasoning is the length of time you have owned the property (and sometimes how long the current loan has been in place). Within a program’s seasoning window, many wholesale lenders base a cash-out on the lower of the purchase price or appraised value. After it, they generally use the appraised value.

Find out what your rental equity can buy.

Tell us about the property and the next move. We will shop wholesale lenders and show you realistic cash-out options, side by side.

Start my cash-out →

Program Structure Comparison & Investor Brief

Quick Answer · Reviewed by Loan Daddy LLC editorial team

A business-purpose DSCR refinance on dscrcashoutrefinance.com evaluates the rental property's gross monthly rent divided by its proposed housing payment (PITIA = Principal + Interest + Taxes + Insurance + HOA) rather than personal tax returns. Loan Daddy LLC (NMLS #2827624) is a mortgage broker that compares wholesale rate-and-term and cash-out DSCR shelves.

Side-by-side structural guidelines across DSCR rental loans, private-money bridge financing, and conventional investment mortgages.
Guideline Dimension	DSCR Rental Loan (Business-Purpose)	Private Money / Bridge (Business-Purpose)	Conventional Investment Mortgage
Primary Qualification	Property rental cash flow (Gross Rent ÷ PITIA)	Purchase basis, rehab budget (LTC), ARV, and exit plan	Personal debt-to-income ratio (DTI) and verified employment
Tax Returns / W-2 Required	Not required on standard DSCR shelves	Not required on asset-based bridge shelves	2 years of personal & business tax returns and W-2s
Entity / LLC Vesting	Supported (LLC, LP, Corporation, or Individual)	Supported (standard for business-purpose bridge)	Generally restricted to individual borrower vesting
Property Occupancy	Strictly non-owner-occupied investment property	Strictly non-owner-occupied investment property	Investment property (subject to financed-property count caps)
Loan Daddy LLC Role	Wholesale mortgage broker comparing multiple DSCR shelves	Wholesale mortgage broker comparing private & bridge capital	Scenario comparison benchmark