1-4 Unit Residential vs 5-8 Unit Commercial DSCR Loans Compared
While 1-to-4-unit rental properties are underwritten using residential gross rent divided by monthly PITIA, 5-to-8-unit small multifamily buildings cross the le…
Conventional Cash-Out Refinance
Qualify on the property's cash flow — no tax returns, no W-2s, no personal income verification. We compare wholesale DSCR programs and get you a real quote in 14-21 Days.
Qualify on cash flow
Approval is driven by the property's debt-service coverage ratio, not your personal income or employment history.
Broker pricing power
As a broker, we shop multiple wholesale DSCR programs so you see competing terms instead of one lender's take-it-or-leave-it offer.
Close in 14-21 Days
Streamlined investor process with appraisal and title coordinated for you from quote to close.
Conventional Cash-Out Refinance Interactive Calculator
Model your investment property numbers with your own target rate assumptions. No hardcoded rates — enter your scenario below and send it to a Loan Daddy loan specialist for wholesale broker options.
Enter your target interest rate (%) above to calculate monthly PITIA, DSCR ratio, and break-even rent.
For illustrative business-purpose investment modeling only. Calculator outputs use your self-entered assumptions and are not a rate quote, credit decision, or commitment to lend. Loan Daddy LLC (NMLS #2827624) is a mortgage broker, not a lender.
Get My DSCR Quote
Tell us about the deal and a Loan Daddy loan specialist will follow up. Loan Daddy LLC is a mortgage broker, not a lender.
Latest Conventional Cash-Out Refinance Guides
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Foreign national and ITIN investors can finance U.S. rental properties through wholesale DSCR programs without U.S. tax returns, Social Security numbers, or dom…
How DSCR Underwriting Works on Duplexes, Triplexes, and Fourplexes
Duplexes, triplexes, and fourplexes qualify under residential 1-to-4-unit DSCR guidelines using Fannie Mae Form 1025 (Small Residential Income Property Appraisa…
Frequently Asked Questions About Conventional Cash-Out Refinance
How do I qualify for Conventional Cash-Out Refinance?
Qualification for Conventional Cash-Out Refinance focuses on the investment property's Debt Service Coverage Ratio (gross rental income divided by principal, interest, taxes, insurance, and HOA) rather than personal tax returns or W-2s.
How do wholesale lenders evaluate DSCR ratios and leverage?
DSCR ratio benchmarks, loan-to-value tiers, and reserve guidelines vary by wholesale lender, property type, and scenario. A Loan Daddy loan specialist can compare multiple wholesale DSCR programs for your deal.
Can I vest my DSCR loan in an LLC and finance short-term or long-term rentals?
Many wholesale DSCR programs support LLC vesting as well as long-term leases (Form 1007 market rent schedule), 2–4 unit multifamily properties, and eligible short-term rentals, subject to lender guidelines.
How fast can a DSCR investment property loan close?
With appraisal and title ordered upfront, typical DSCR investor loans brokered through Loan Daddy LLC (NMLS #2827624) close in 14-21 Days. Loan Daddy LLC is a mortgage broker, not a lender.