Pull Cash Out of Your Rental — No Tax Returns. No W-2s.
DSCR cash-out refi up to 75% LTV. Qualifies on the property’s rent, not your income. Pre-qualify in 90 seconds — soft credit pull only.
See how much I can pull out
DSCR cash-out refi up to 75% LTV. Qualifies on rent, not income. 90-second pre-qual.
Or call Chris: (813) 582-7432
5★ Google rated · NMLS #2011725
You have equity locked in a property that’s already cash-flowing. The bank won’t let you touch it.
Conventional lenders want 2 years of tax returns, Schedule E, W-2s, DTI calculations. Then they decline you anyway — because depreciation tanks your “income” on paper.
DSCR cash-out solves that. Your property’s rental income covers its mortgage payment (DSCR ≥ 1.0)? You qualify. No tax returns. No W-2s. No 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.
How much could you pull out?
Illustrative cash-out amounts based on property value, existing loan balance, and our maximum LTV cap. Your actual number confirmed in 90 seconds — soft pull only.
| Property value | Existing loan | Up to 70% LTV | Up to 75% LTV |
|---|---|---|---|
| $400,000 | $200,000 | $80,000 | $100,000 |
| $500,000 | $200,000 | $150,000 | $175,000 |
| $600,000 | $300,000 | $120,000 | $150,000 |
| $750,000 | $300,000 | $225,000 | $262,500 |
| $800,000 | $400,000 | $160,000 | $200,000 |
| $1,000,000 | $500,000 | $200,000 | $250,000 |
Illustrative only. LTV cap depends on property type, credit, DSCR ratio, and lender approval. Final loan amount, rate, and terms confirmed at full application and underwriting.
Funded in days — not weeks.
5-business-day target close from a complete file. Here’s exactly how it works:
- Day 1. Pre-qual + soft credit pull.
- Day 2. Docs upload + AI parse.
- Day 3. BPO/appraisal + title API.
- Day 4. Automated underwriting clears.
- Day 5. Wire issued. Cash hits your account.
Target assumes complete file (lease + ID + asset stmt uploaded), property eligible for BPO or appraisal-waiver, and clear title. Loans requiring full field appraisal take 7–10 days.
- 5.0★ Google Rated
- NMLS #2011725
- 3 Years in Business
Run by an engineer — not a sales team.
Chris Harris founded Best Finance after earning an electrical engineering degree from UCLA, completing a robotics internship at NASA, and inventing a life-saving robotic medical device at 33. He founded Best Finance to bring engineering precision to a mortgage industry that runs on fax machines and handshakes.
Chris personally reviews every investor file.
FAQs
Do I need tax returns?
No. DSCR loans qualify on the property's rental income (DSCR ≥ 1.0), not personal income. We don't request tax returns, W-2s, paystubs, or run DTI.
What credit profile is needed?
Soft pull at quote stage — no effect on your score. Full profile reviewed at application. The property's rental income is the primary qualifier (DSCR ≥ 1.0 for experienced investors, ≥ 1.1 for first-time investment property buyers).
How fast does it actually close?
5-business-day target from a complete file. What "complete" means: lease agreement, government ID, 2 months bank statements, LLC docs (if applicable). Loans requiring a full field appraisal take 7–10 days.
How is the cash-out amount calculated?
Cash-out = (appraised value × max LTV) − existing loan balance. Max LTV: up to 75% on SFR (loans ≤ $800K), 70% on condos and 2-units, 65% on 3–4 units. First-time investment-property buyers: −5% LTV, max cash-out $250K.
Can I close in my LLC?
Yes. DSCR loans are business-purpose. Closing in an LLC, partnership, or S-corp is normal. Bring your operating agreement and EIN.
What if my numbers don't qualify?
Chris reviews every file personally. When the numbers are close, he often finds a path. Free 10-minute call: (813) 582-7432.
Are there prepayment penalties?
Most DSCR products have a step-down PPP (e.g., 5/4/3/2/1). Ask in pre-qualification — we can quote PPP-on or PPP-off pricing and let you choose.
What happens after I pre-qualify?
We text you within one business day — usually within minutes. We review your property and request the full application if you're a fit.
Ready to see your number?
Pre-qualify in 90 seconds. No tax returns. 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. 5-business-day close timing is a target from a complete file; loans requiring a full field appraisal take longer.