Home Equity Line of Credit (HELOC)

Access up to 75% of your short-term rental property equity. DSCR and conventional cash-out refinance options from STR Home Loans.

Leverage Your Equity to Scale

Your existing short-term rental properties are more than income generators — they're wealth-building tools. A cash-out refinance lets you access the equity you've built and deploy it into your next investment, renovation project, or business need.

How It Works

A cash-out refinance replaces your existing mortgage with a larger one, giving you the difference in cash. If your property has appreciated or you've paid down the principal, you could have significant equity available to tap.

DSCR Cash-Out: No Income Docs

For investors who prefer to avoid traditional income documentation, our DSCR cash-out refinance option lets you access equity based solely on the property's rental income. No tax returns, no W-2s — just proven property performance.

Eligibility Requirements

  • Minimum credit score: 680
  • Existing property with equity
  • Minimum 25% equity after cash-out
  • Investment or second home properties
  • Seasoning requirements vary by program
FAQ

Frequently Asked Questions

How much cash can I take out?
You can typically access up to 75% of your property's current appraised value, minus your existing loan balance. For example, if your property is worth $500,000 and you owe $200,000, you could potentially access up to $175,000 in cash.
Can I use a DSCR cash-out refinance?
Yes! DSCR cash-out refinances let you tap equity without income verification. The property just needs to meet the DSCR ratio requirements with the new, higher loan amount.
What can I use the funds for?
There are no restrictions on how you use the cash-out funds. Most investors use them for purchasing additional properties, renovations, or consolidating high-interest debt.

Unlock Your Equity

Put your property's equity to work. Get pre-approved for a cash-out refinance and fund your next investment.

Get Pre-Approved