America’s Fastest DSCR Cash-Out Refi.
5-business-day close target from a complete file. 30-year fixed. No tax returns. Up to 75% LTV. Soft credit pull only.
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5-day close target. 30-year fixed. No tax returns. Up to 75% LTV. Soft pull only.
Or call Chris: (813) 582-7432
- 5 days target close from complete file
- $1M max loan
- 75% max cash-out LTV
- 0 tax returns required
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.
Why 5 days is realistic
Best Finance is engineering-led. We run a streamlined origination pipeline that automates document parsing, underwriting checks, and submission to our institutional capital partners. Most mortgage brokers don’t have those tools. That’s the only reason a 5-day cash-out refi is achievable here.
- API-based document parsing. Lease, ID, and asset statements processed the moment they’re uploaded.
- No field appraisal under $400K. A property condition report (BPO) replaces the multi-week appraiser timeline on smaller loans.
- Automated underwriting stack. File goes to our capital partner the moment it’s clean — no inbox-to-inbox handoffs.
- Soft credit pull at quote. Hard pull only when you submit a full app, so checking eligibility costs you nothing.
Target assumes complete file (lease + ID + asset statement uploaded), property eligible for BPO or appraisal-waiver path, borrower opted into API document verification, and clear title. We tell you up-front if any of those is at risk.
How it works in 5 days
- Day 1 — Pre-qual. Submit name, email, phone, property details. Soft credit pull. Pre-qual decision same day.
- Day 2 — Docs. Upload lease, asset statement, ID, LLC docs. AI parses them as you upload.
- Day 3 — Property. BPO or appraisal- waiver pulls automatically. Title check via API.
- Day 4 — Underwriting. Automated underwriting clears your file with our capital partner.
- Day 5 — Close. Wire instructions issued. Cash hits your account.
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 much could you pull out?
| 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 and underwriting. 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
Can you really close a DSCR cash-out refi in 5 business days?
Yes, on a complete file with API-based document verification, BPO-eligible property (or appraisal under $400K), and clear title. We tell you up-front if any of those is at risk. The 5-day mark is the target, not a guarantee.
Do I need to provide tax returns or W-2s?
No. DSCR loans qualify on the property's rental income (DSCR ≥ 1.0) instead of personal income. We don't request tax returns, W-2s, paystubs, or run DTI.
How do you go this fast when other brokers take a month?
We run an engineering-led origination pipeline: API document parsing, automated underwriting checks, and direct integration with our institutional capital partners. There are no inbox-to-inbox handoffs, no waiting for a human underwriter to pick up your file.
What loan amounts and LTVs are typical?
Loan amounts $75,000–$1,000,000. Up to 75% LTV cash-out depending on property type and borrower profile. Investment 1–4 unit residential properties (SFR, condo, townhome, PUD).
Can I close in my LLC?
Yes. DSCR loans are business-purpose and we close to LLCs, partnerships, and S-corps regularly. Bring the operating agreement and EIN.
Is the 5-day timeline a guarantee?
It is the target, not a guarantee. The 5-day mark is achievable on a complete file with API document verification, an appraisal-eligible property, and clear title. Loans requiring a full field appraisal or with title issues take longer; we tell you up-front when that's the case.
How much will it cost in closing fees?
Standard origination + third-party costs (title, appraisal/BPO, recording). We send a Loan Estimate within 3 business days of a full application — no surprise fees.
What if my numbers don't qualify?
Chris reviews every file personally. When the numbers are close, he often finds a path (different property type, adjusted LTV, co-borrower). Free 10-minute call to walk through your scenario: (813) 582-7432.
5-day target. Soft pull. No tax returns.
Pre-qualify in 90 seconds. 5-star rated on Google.
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 with a full field appraisal (loans over $400K) or BPO (loans under $400K). 5-business-day close timing is a target from a complete file and assumes active borrower engagement and opting into API-based underwriting tools; loans requiring a full field appraisal take longer.
“America’s Fastest” reflects Best Finance’s average DSCR cash-out close time from 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 may vary based on file completeness, property type, and lender capacity. The 5-day target is not a guarantee.