Refinance Options

Two Ways to Optimize

Whether you want a better rate or access to your equity, we structure the refinance to match your strategy.

DSCR Rate & Term

Lower your interest rate or adjust your loan term to improve monthly cash flow — without touching your equity or documenting personal income.

  • No income verification
  • Lower your monthly payment
  • Improve your DSCR ratio
  • Keep your equity intact
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Most Popular

DSCR Cash-Out

Access the equity you've built in your STR and deploy it toward your next acquisition, renovation, or portfolio expansion — no income docs needed.

  • Access up to 75% LTV
  • No personal income verification
  • Use proceeds for any purpose
  • Fund your next acquisition
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Built for Investors

Why STR Investors Refinance With Us

No Income Reverification

Your property's performance does the talking — skip the W-2s and tax returns entirely.

Improve Cash Flow

A better rate or extended term means more net income from every booking.

Access Up to 75% LTV

Pull equity from properties that have appreciated and put it to work.

Close in 21–30 Days

Streamlined DSCR underwriting means faster closings with fewer delays.

Our Process

How It Works

1

Review Your Current Loan

Share your current loan details and property performance. We'll show you exactly how much you can save or access.

2

Choose Rate-Term or Cash-Out

We'll structure the refinance around your goals — whether that's lower payments, equity access, or both.

3

Close & Improve Cash Flow

We close in 21–30 days. Your STR keeps running — you just pay less or have more capital to deploy.

FAQ

Frequently Asked Questions

Can I refinance my STR without showing personal income?
Yes. DSCR refinance loans qualify based on the property's rental income, not your personal earnings. As long as the property's income covers the debt, you can refinance without W-2s, tax returns, or pay stubs.
What is the maximum cash-out LTV?
Most DSCR cash-out refinance programs allow up to 75% LTV, meaning you can pull out equity while retaining 25% in the property. Exact limits depend on your credit profile and the property's DSCR.
Will refinancing affect my Airbnb listing or bookings?
No. Refinancing changes your loan terms — it does not affect your property listing, guest reviews, or booking calendar. Your STR operations continue uninterrupted throughout the process.
How long does a DSCR refinance take?
A typical DSCR refinance closes in 21–30 days. The streamlined documentation requirements — no income verification, no employment checks — keep the timeline tight and predictable.
Should I choose rate-and-term or cash-out?
Rate-and-term is best when your goal is to lower your interest rate or monthly payment without pulling equity. Cash-out is ideal when you want to access equity to fund your next acquisition, renovate a property, or consolidate debt.

Ready to Optimize Your STR Financing?

Find out how much you can save or access. Our team will review your current loan and show you the best path forward.

Get Pre-Qualified