Rate & term, cash-out, and non-QM refinance solutions structured to fit income, equity, and timing.
620–680+ FICO typical
Rate & term or cash-out refinance
Fixed and ARM options available
Primary, second, and investment homes
Up to ~80–90% LTV (scenario-based)
Conforming and high-balance options
No mortgage insurance in many cases
580+ FICO minimum
Rate & term or cash-out refinance
Fixed, ARM, and streamline options
Primary residence only
Up to FHA loan limits
Manufactured homes eligible
Reduced documentation options available
680+ FICO typical
Loan amounts above conforming limits
Rate & term or cash-out refinance
Fixed, ARM, and extended-term options
Primary, second & investment properties
High-LTV options available
Large-balance programs up to $5M
660–680+ FICO typical
Self-employed income via bank statements
Rate & term or cash-out refinance
Fixed, ARM, and 40-year options available
Primary, second & investment properties
Loan amounts above conforming limits
620+ FICO minimum (tiered by leverage and term)
Qualify using rental cash flow, not personal income
Up to 80% LTV (lower on IO or extended terms)
Loan amounts from $50,000 up to $3,000,000+
DSCR as low as 0.00 on select programs
30-year fixed, 40-year fixed & interest-only options
Eligible to close in an LLC
Supports portfolio investors with multiple properties
660+ FICO minimum
Income verified via 1–2 years 1099 + YTD receipts
Primary, second home & investment eligible
Up to 50% DTI
Rate & term refi up to 85% LTV
Cash-out up to 80% LTV
10-year interest-only available (5% LTV/CLTV reduction)
Loan amounts: $150K – $4M
680+ FICO minimum
Income verified via FNMA Form 1005 (WVOE)
2 months personal bank statements showing employer deposits
Primary residence only
Up to 50% DTI
Rate & term refinance up to 70% LTV
Cash-out refinance up to 70% LTV
10-year interest-only option available
Loan amounts: $150K – $3M
680+ FICO minimum
Income verified via CPA/EA-prepared P&L (12–24 months)
Borrower must attest to filing most recent tax returns
Primary residence only
Up to 50% DTI
Rate & term refinance up to 75% LTV
Cash-out refinance up to 70% LTV
10-year interest-only option available
Loan amounts from $150,000 to $3,000,000
660+ FICO minimum
Qualify using eligible liquid assets (assets ÷ 84)
No W-2s, tax returns, or employment verification
Primary, second home & investment properties
Up to 50% DTI
Rate & term refinance up to 85% LTV
Cash-out refinance up to 70% LTV
10-year interest-only option available
Loan amounts from $150,000 to $3,000,000
No U.S. credit score required
Qualification based on rental income (DSCR)
Minimum DSCR from 0.75x (tiered programs)
Purchase up to 75% LTV
Cash-out refinance up to 65% LTV
Short- and long-term rentals eligible
Eligible to close in an entity (LLC, partnership, corporation)
1–4 unit properties and warrantable condos
Loan amounts from $150,000 to $1,500,000
680+ FICO minimum
Qualify using combined rental income (DSCR)
Blanket loans covering multiple properties under one note
2–25 properties eligible (1–4 units & warrantable condos)
Rate & term refinance up to 65% LTV
Purchase up to 70% LTV
Short- and long-term rentals eligible
Eligible to close in an entity (LLC, partnership, corporation)
Loan amounts from $150,000 to $3,000,000
660+ FICO minimum
Standard income documentation (W-2s, paystubs, tax returns)
Wage and self-employed borrowers eligible
Primary residence, second home & investment properties
Up to 50% DTI
Rate & term refinance up to 85% LTV
Cash-out refinance up to 80% LTV
10-year interest-only option available
Loan amounts from $150,000 to $3,000,000
Confirm existing loan program, rate, and remaining balance.
Identify whether the home is primary, second, or investment.
Clarify whether the goal is rate reduction, cash-out, or term change.
Provide a recent value estimate to guide appraisal and structure.
Note any deadlines tied to escrow, rate movement, or liquidity needs.
Confirm available equity to determine refinance eligibility.
Consider whether the property will be held, sold, or refinanced again.
Refinancing is usually better when the existing rate is high, mortgage insurance can be removed, or the borrower needs to restructure the entire loan. A refi replaces the first mortgage, while a second lien preserves it. The right choice depends on rate impact, equity, and future plans.
Most cash-out refinances require the total loan amount to stay within program LTV limits, typically up to 80% for primary homes and lower for investment properties. The exact amount depends on occupancy, credit, and loan type.
Yes. Investment properties can be refinanced under conventional, jumbo, DSCR, and non-QM programs. Requirements are stricter than primary residences, with higher equity and pricing adjustments, but refinance options are widely available.
The appraised value determines loan eligibility, pricing, and cash-out limits. Lower-than-expected values reduce proceeds or eliminate certain programs. Some refinances allow appraisal waivers, while others require full interior inspections.
The most common issue is misaligned expectations—borrowers expecting more cash, lower rates, or waived appraisals than guidelines allow. Early scenario review prevents surprises after disclosures or appraisal.
Submit one scenario — we structure the options and timing.
