Refinance
Refinance or cash out a rental you already own.
Lower your rate, change your terms, or pull cash out of a rental property, qualified on the rent it produces rather than your personal income.
Refinance terms at a glance
Final terms depend on the property, your credit, and the loan request.
Best For
Built for investors with rental properties that are already producing income.
Renovating to sell, building, or need short-term financing? See our Fix & Flip, Construction, or Bridge programs.
- Landlords moving an existing rental into a long-term loan
- Investors pulling cash out of a rented property
- Portfolio owners lowering their rate or resetting terms
Key Details
What matters before you apply.
We size your loan on the property's rental income, so the rent needs to cover the new payment.
Rates and options
Rates start at 6.25%, with fixed-rate, interest-only, or adjustable options depending on the loan.
Check your numbers
Use our DSCR calculator to see whether the rent covers the new payment before you apply.
Pick your refinance type
Choose rate-and-term or cash-out on the first step of the application.
Before You Apply
Have these ready.
Your loan moves faster when we have the property's income, expenses, and current loan up front.
- Whether you want a rate-and-term or cash-out refinance
- Current rent, taxes, insurance, and HOA dues
- Your current loan balance and payment
Ready to refinance a rental?
Start your application, or talk to us first if you have questions.