Your Equity Is Trapped. We Free It.
$200,000+ sitting locked in your rental property. Banks won’t touch it because depreciation kills your “income.” DSCR cash-out qualifies on the property, not you.
Free this equity
DSCR cash-out qualifies on the property's rent, not your tax returns. Pre-qualify in 90 seconds.
Or call Chris: (813) 582-7432
Fastest DSCR closer in America*
5-business-day target close from a complete file vs. the 18–25 day industry average. Engineering-led origination — API doc-parsing, automated underwriting, integrated capital partners. Most brokers don’t have these tools.
Appraisal waived under $400K
BPO (Broker Price Opinion) replaces the multi-week appraiser wait on cash-out loans under $400K. Saves 1–2 weeks vs. full field appraisal. Loans over $400K still require a full field appraisal.
Property qualifies, not you
No tax returns. No W-2s. No paystubs. No DTI math. The property’s rental income (DSCR ≥ 1.0) is the qualifier. Close in your LLC. Business-purpose only.
*“Fastest DSCR closer in America” reflects Best Finance’s average DSCR cash-out close time from a complete file compared to the 18–25 day industry average reported by the American Association of Private Lenders (AAPL) in 2024–2025 surveys. Individual results vary by file completeness, property type, and lender capacity. The 5-day target is not a guarantee.
You’ve heard this 10 times this year:
- “We need 2 years of tax returns.”
- “Your debt-to-income is too high.”
- “Your Schedule E shows a loss.”
- “Depreciation cancels out your rental income for our underwriting.”
Then they decline you. The cash sits — locked in a property that’s already cash-flowing. A deal you wanted slips by. A vacancy needs renovation but you can’t access your own equity.
The bank rules are designed for W-2 borrowers. You’re not a W-2 borrower.
DSCR cash-out works differently:
- Property’s rent vs PITIA decides eligibility (DSCR ≥ 1.0).
- No tax returns. No W-2s. No DTI. No Schedule E.
- 30-year fixed, fully amortizing — you keep the property, redeploy the cash, keep growing.
- Up to 75% LTV. Soft credit pull only at quote.
Five-star Google reviews — real borrowers, real deals.
“Every bank and other private lender denied me, and then I found Chris. He worked with my unique situation and got me the loans I was looking for. Highly recommend. Incredibly fast DSCR approval and funding as fast as possible. Friendly service too.”
“I spent months working with another company only to be denied at the last minute due to a technicality. Best Finance had me approved shortly after I completed their forms.”
“This was the easiest and fastest cash out refi I've ever done. So much less paperwork, with a great rate, couldn't have asked for better.”
5.0 stars on Google · Best Finance, Clearwater FL · See all reviews →
How DSCR cash-out actually works
DSCR stands for Debt Service Coverage Ratio. It’s a single number that says: does the rent on this property cover its mortgage payment?
DSCR = Net Operating Income (rent) ÷ Total Debt Service (PITIA). A DSCR of 1.0 means rent exactly covers the payment. A DSCR above 1.0 means the property is profitable. We use the lower of your lease rent and the appraiser’s market rent — you bring whichever is higher to qualify.
That’s the whole income test. We don’t look at your tax returns. We don’t care about depreciation, your Schedule E loss, or your DTI. The property qualifies, not you.
Loan structure: 30-year fixed, fully amortizing. No balloon, no ARM reset. You can close in your LLC, partnership, or S-corp (and we encourage it).
How much equity is locked up?
| Property value | Existing loan | Up to 70% LTV | Up to 75% LTV |
|---|---|---|---|
| $400,000 | $200,000 | $80,000 | $100,000 |
| $600,000 | $300,000 | $120,000 | $150,000 |
| $800,000 | $400,000 | $160,000 | $200,000 |
| $1,000,000 | $500,000 | $200,000 | $250,000 |
Illustrative only. Final loan amount, rate, and terms confirmed at full application. Subject to property type, credit, DSCR, and lender approval.
Run by an engineer, not a sales team
Chris Harris is the founder of Best Finance. UCLA electrical-engineering degree, microcomputer + robotics internship at NASA, and at 33 invented a life-saving robotic medical device. Founded Best Finance in 2022 to bring engineering rigor to a mortgage industry that hadn’t changed in 30 years.
Chris personally reviews every investor file. When you submit, you’re submitting to him.
FAQs
Why won't my bank give me cash-out on a rental I own outright?
Because traditional bank cash-out underwriting looks at your tax-return income, and rental properties typically show a paper loss after depreciation. The bank concludes you can't afford the new payment even though the property cash-flows. DSCR cash-out skips that whole calculation — it qualifies on the property's rent, not your tax return.
Do I have to show tax returns or W-2s?
No. DSCR loans don't require tax returns, W-2s, paystubs, or DTI calculation. The lower of your lease rent and the appraiser's market rent decides whether the property qualifies (DSCR ≥ 1.0).
How much can I cash out?
Up to 75% of the property's appraised value, minus your existing loan balance. Maximum loan is $1,000,000 ($500,000 for first-time investment-property buyers). LTV cap depends on property type and borrower profile.
Can I close in an LLC?
Yes — and we encourage it. DSCR loans are business-purpose, so closing in an LLC, partnership, or S-corp is the norm. Bring the operating agreement and EIN.
Is the cash truly tax-free?
Cash-out refi proceeds are not taxed as income — they're a loan against your equity. (Talk to your CPA for your specific situation, but cash-out refinancing has been a standard tax-deferred way to access equity for decades.)
How fast can this close?
Days, not weeks for borrowers who engage actively and opt into API-based document verification. Loans requiring a full field appraisal (over $400K) take longer because of the third-party appraiser timeline.
What happens if my numbers don't qualify?
Chris reviews every file personally. When the numbers are close, he often finds a path (different LTV, co-borrower, refinance the existing first mortgage). Free 10-minute call to walk through your scenario: (813) 582-7432.
Stop letting depreciation lock up your cash.
Pre-qualify in 90 seconds. No tax returns. No W-2s. Soft pull only.
NMLS #2011725 · Best Finance · Equal Housing Lender. All loans subject to credit approval and underwriting. Rates, terms, and program availability subject to change without notice. Not a commitment to lend. Investment-property loans — business-purpose only, not for owner-occupied properties. DSCR loans are subject to property and borrower eligibility. Pre-qualification uses a soft credit pull and does not affect your credit score; full application requires a hard pull. Pre-qualification may be granted in minutes but is ultimately subject to underwriting verification, including verification that your property is in at least average condition.