Refinance your 11–13% hard money or bridge loan into a 30-year DSCR mortgage at today's market rates — no W-2s, no tax returns, just rental income. We close hard-money takeouts every week across our 50+ wholesale lender panel.
2-minute eligibility check · No credit pull
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Hard money is a fantastic tool for the acquisition-and-rehab phase. It is brutally expensive for the hold phase. Here is what the typical $400,000 loan looks like before and after a DSCR takeout.
$14,088 / year in cash flow recovered — plus you start building equity instead of paying pure interest. Over a 24-month hold, that is roughly $28,000 saved in payments alone, before counting the equity buildup or the avoided balloon-renewal fee.
Illustrative example. P&I only; taxes, insurance, and HOA not included. Actual rates depend on file specifics (FICO, LTV, DSCR, property type, state). DSCR rates currently start at 5.99% on top-tier files; we used 6.99% as a representative mid-tier rate. Hard money pricing varies widely by lender and market.
If you are in any of these positions, a DSCR takeout is almost always the right next move. We have placed hundreds of them.
You bought distressed, rehabbed it, and now have a property that appraises far above your purchase price. The DSCR refi is the “R” in BRRRR. We use the new appraised value (ARV), pay off the hard money loan, and write you a check for the equity you forced — capital to roll into the next deal.
Up to 75% LTV cash-out on ARVYour bridge or short-term loan balloons soon and you do not want a forced extension at a higher rate. We close DSCR refinances on a 14–25 day timeline, so you can lock the payoff well before the deadline — no last-minute panic, no extension fees.
14-day close possible on clean filesYou bought the property with hard money to win speed — common in a competitive market — with the plan of refinancing into a permanent loan once the dust settled. Now the property is leased (or rent-ready) and it is time to lock in 30-year financing.
No seasoning programs availableThe property is already producing rent, you are out of hard money, but you have meaningful equity sitting idle. A DSCR cash-out lets you pull up to 75–80% LTV in tax-free capital (it is a loan, not income) to buy the next door. This is how serious investors scale.
Up to 80% LTV on cash-outThis is the same sequence we run every week. We pre-vet appraisers and order the appraisal on day one rather than waiting on underwriting conditions — that is the single biggest speed gain.
You give us the basics — loan size, FICO range, property, state. We come back with a real rate and LTV from our wholesale panel within hours, not days.
Same dayShort app, credit pull, lease (or market rent comps), insurance, payoff letter from your current lender. We order the appraisal immediately.
48 hoursAppraiser inspects the property; underwriter clears conditions in parallel. Most files have zero or one surprise condition when shopped through the right lender.
~1 weekSign with a mobile notary or at title. Your hard money lender gets paid off; any cash-out proceeds wire to you the same day. Done.
~2 weeks totalSingle-lender shops can only quote their one program. We route your file across 50+ wholesale DSCR investors and surface the one whose overlay fits your specific scenario — no-seasoning, sub-1.0 DSCR, 80% cash-out, whatever the file needs.
No W-2s, no tax returns, no pay stubs, no employment verification. The loan qualifies on the property's rent (or market rent comps if vacant) — not your personal income. We close 1099 contractors, retired investors, and full-time real-estate professionals weekly.
We order the appraisal on day one, pre-vet the appraiser pool in your market, and clear underwriting conditions in parallel rather than serially. Realistic average is 18–25 days; 14 is achievable and we hit it regularly.
Real production, real closed loans — not a pre-launch website. 328 Florida loans closed through our affiliated lender, and a national footprint across every other state. The takeout playbook is well-rehearsed.
Most DSCR cash-out programs cap at 75%; we have lenders going to 80% LTV cash-out on the strongest tier (740+ FICO, 1.20+ DSCR). That extra 5% can be a six-figure check when the property has appreciated.
Hard money properties often refinance into a lower DSCR than ideal because rates have risen. We have programs accepting 0.75 DSCR, plus no-ratio programs that skip the DSCR calculation entirely for borrowers with strong credit and meaningful equity.