Investor · DSCR · Rate Reduction Refinance
DSCR Investment Rate Reduction Refinance
Lower your rate or pull cash from a rental — qualified on the property's income, not yours. Estimate your new payment, savings, max loan, and cash back.
Built by Jim Blackburn · NMLS #1072866 · $500M+ closed · 7× Scotsman Guide Top Producer
Your current payment excluding taxes, insurance, and MI.
Skip if not applicable.
Use an appraisal, online estimate, or your best guess.
Check Zillow for comparable rentals.
Rent ÷ total PITIA. Most lenders require 1.0+; a few allow 0.75.
If unsure, assume ~0.5% lower than your current rate.
Summary
Rate Reduction
Optional Cash Out (based on rent)
Estimates only — not a commitment to lend.
By Jim Blackburn
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This calculator is for illustrative purposes only and does not constitute financial, legal, or investment advice. Results are based on general assumptions and may not reflect actual performance or eligibility. This is not a loan estimate or approval. Please consult with a licensed mortgage advisor before making financial decisions.