Loan amount
$75,000 – $1,000,000
Easiest DSCR Cash-Out Refi in America
Pull Equity From Your Rental in 5 Days — No Tax Returns.
Up to 75% LTV. No tax returns. No W-2s. Qualifies on the property’s rent, not your income. Soft credit pull only.
Pre-Qualify in 90 Seconds →
Soft credit pull only · no effect on your credit score · takes 90 seconds
5★ Google rated · NMLS #2011725
75%Max cash-out LTV
$1MMax loan amount
DaysNot weeks*
NoTax returns
*Five-business-day funding timeline assumes active borrower engagement and opting-in to the use of third-party API underwriting tools. Funding timelines will be longer for loans requiring a full field appraisal.
Up to 75%
Cash-out LTV on your rental.
- Cash-out refi up to 75% LTV
- 30-year fixed, fully amortizing
- No tax returns, no W-2s, no DTI
- Investment 1–4 unit residential
- 5-min pre-qual, soft credit pull only
- Funded in days, not weeks
You have equity. The bank won’t let you touch it.
If you’re a real estate investor, you’ve heard it: “We need 2 years of tax returns, schedule E, year-to-date P&L, debt-to-income calc…” Then they decline you anyway because depreciation tanks your “income” on paper.
So the cash sits — locked in a property that’s already cash-flowing — while a deal you wanted slips by.
DSCR cash-out solves that.
Your property’s rental income covers its mortgage payment (DSCR ≥ 1.0)? You qualify. We don’t look at your tax returns. We don’t ask for W-2s. We don’t run DTI. The property qualifies, not you.
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 →
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 investors trust Best Finance
Five-star rated on Google
Real borrowers, real cash-out closings. Read every review on our Google Business Profile.
Engineering-led mortgage broker
Founded by Chris Harris — UCLA-trained electrical engineer, NASA veteran, inventor of a life-saving robotic medical device. Built Best Finance to bring engineering rigor to mortgage lending.
5.0★
Google rating
100%
Five-star reviews
3 yrs
In business
How much can you pull out?
| Property value | Loan balance | Cash-out @ 70% LTV | Cash-out @ 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 |
75% LTV requires total loan ≤ $800,000. Some condo projects capped at 70% LTV. 2–4 unit unoccupied properties: −5% LTV. Inexperienced investors: cash-out capped at $250,000 + 5% LTV reduction.
Why investors use this for cash-out
Property qualifies, not you
No tax returns. No W-2s. No DTI math. Your property's rent vs PITIA decides eligibility (DSCR ≥ 1.0).
Days, not weeks
Pre-qualify in 5 minutes. Funded in days, not weeks. Soft credit pull only at quote stage.
Built for real-estate investors
Investment 1–4 unit single-family, condo, townhome, PUD. Loans $75,000–$1,000,000. We know condo eligibility, insurance gotchas, and HOA approval timelines.
30-year fixed, fully amortizing
Lock the rate, pull the cash, redeploy. No balloon, no ARM reset. Pay it off on your schedule with the property's own cash flow.
*Funding timeline assumes active borrower engagement and opting-in to third-party API underwriting tools. Loans requiring a full field appraisal take longer.
How to pull cash out of your rental
1
Pre-qualify in 5 minutes
Property address, estimated rent, basic borrower info. Soft credit pull only. No impact on your credit score.
2
Submit the full application
Upload lease, ID, asset statement, LLC docs (if applicable). AI parses them as you upload — no human underwriter bottleneck on the front end.
3
Close and pull your cash
Funded in days, not weeks. Use the proceeds to acquire the next deal, pay down higher-cost debt, or fund renovations on the property itself.
DSCR cash-out — straightforward terms
Term length
30-year fixed, fully amortizing
Min DSCR
1.0 (1.1 first-time investor)
Max LTV (cash-out)
Up to 75% (loans ≤ $800K) / Up to 65% ($800K–$1M)
Property types
1–4 unit residential investment (SFR, condo, townhome, PUD, 2–4 unit)
Condo cap
70% LTV on some condo projects
Lien position
First-lien only
Reserves
3 months PITIA (1-unit) / 6 months (2–4 unit)
Autopay discount
0.25% off rate
Meet Chris Harris
Chris Harris is the founder of Best Finance. He earned his electrical engineering degree from UCLA, did a microcomputer and robotics internship at NASA, and at 33 invented a life-saving robotic medical device. He founded Best Finance in 2022 to bring engineering rigor and modern technology to a mortgage industry that hadn’t changed in 30 years.
Today Best Finance brokers DSCR cash-out, conventional, and commercial loans. Chris personally reviews every investor file. Best Finance is licensed under NMLS #2011725 — see disclosures below for the full state list. When he’s not closing loans, he writes the software that runs the company.
DSCR cash-out FAQs
See how much cash you can pull out — 5 minutes, no tax returns
Soft credit pull only. 1–4 unit investment properties. Pre-qualification in minutes; final approval subject to underwriting.
Calculate My Cash-OutSoft credit pull only · No effect on your credit score
Important disclosures
- DSCR loans are for business-purpose investment properties only. Not for owner-occupied or primary residences.
- Pre-qualification is granted in five minutes but is ultimately subject to underwriting verifications and confirmation that the property is in at least average condition (property condition report or full field appraisal).
- Maximum LTV depends on loan amount and property type. 75% LTV requires loan ≤ $800,000. Some condo projects capped at 70% LTV.
- Inexperienced investor adjustments: max loan $500,000, max cash-out $250,000, −5% LTV, +0.1 minimum DSCR.
- Borrowers must execute a Business Loan Affidavit and Non-Owner Affidavit at closing.
- Loans originated by Best Finance (Florida Mortgage Lender License MLD2499), fulfilled through Figure Lending LLC. Equal Housing Lender.
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. Florida Mortgage Lender License MLD2499. DSCR loans available in AZ, CA, FL, LA, TX (subject to licensing). 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). Loan amounts $75,000–$1,000,000. Maximum loan amount may be lower depending on home value, lien position, verified rental income, and equity. First-time investment-property buyers subject to additional eligibility adjustments (max loan $500,000, max cash-out $250,000, 5-point LTV reduction, DSCR ≥ 1.1).