Select Home Loans
(888) 550-3296 Log In

DSCR Refinance Loans

Explore New Financing for Your Investment Property

Apply Now ›
Google 5-star customer satisfaction

A New Mortgage for Your Next Investment Goal

Your rental property’s financing should keep pace with your plans. A DSCR refinance lets eligible investors replace an existing mortgage using the property’s rental income for income qualification rather than personal earnings.

Whether you want to explore a different interest rate, change your loan term, or access available equity through a cash out refinance, we’ll help you compare your choices. Our DSCR programs don’t require W-2s, pay stubs, or personal tax returns for income qualification.

At Select Home Loans, we compare available options through our lending partners and review them alongside your current mortgage. We’ll explain estimated payments, closing costs, and overall borrowing costs so you can decide whether refinancing makes sense for your investment.

Apply Now
DSCR Refinance

Why choose Select Home Loans?

  • Diverse mortgage options: Conventional, FHA, VA, Reverse Mortgages, Jumbo, Non-QM Loans, HELOC, Second Mortgages, and DSCR Loans.
  • Trusted reputation: A+ Rated and accredited by the Better Business Bureau.
  • Customized service: Solutions crafted to meet your specific requirements.
  • Established credibility: A reputation built on trust and experience.
Apply Now
Pre-approved for a loan up to $500,000

DSCR Refinancing for Your Rental Property

We arrange DSCR refinance financing for eligible investment properties across 39 states. Options may include single family homes, townhomes, condos, rural properties, multi unit properties, and small portfolios, with programs for both short term and long term rentals. Eligible loans may also close in an existing or newly formed LLC.

We start with your current mortgage balance, property value, rental income, and goals. Your credit, available equity, reserves, and how long you’ve owned the property help shape your options. Depending on the program, rental income may be evaluated using an existing lease, an appraiser’s market rent estimate, or an approved short term rental analysis.

Before you move forward, we help you review any existing prepayment penalty and understand the proposed loan’s terms. From gathering documents through coordinating the payoff and closing, we’re here to answer your questions and keep you informed.

For a list of states we serve and answers to common questions, visit the FAQ section on our DSCR loans page.

More Choices. More Clarity. More Support.

More Options
Multiple lending partners, with programs and rates to fit your goals.
3,500+
Borrowers helped along the way
39States
Business-purpose DSCR financing for eligible investment properties.

Hear What Our Clients Have To Say!

“We recently worked with Nick Andrews on a DSCR refinance for our investment property in Florida. The experience was smooth from start to finish. He handled the process exactly how an investor loan should be handled: clear communication, fast turnaround, and no surprises. From the initial quote through underwriting and closing, Nick stayed on top of every moving piece (DSCR calculations, rental income documentation, appraisal coordination, conditions) and explained everything in plain English. If you’re an investor looking for a rental income loan, I’d strongly recommend Nick at Select Home Loans.”
Brian N.Jupiter, Florida
“I just wanted to send a note to thank you for all of your support and guidance throughout the mortgage process while purchasing our home. It could have been a nerve-racking experience and you very calmly guided me along the way and certainly made the experience much better than it easily could have been.”
Isabel B. & Gerald B.West Palm Beach, Florida
“Thank you Scott, for your superb assistance with Barry & Sally! Really appreciate working with people that take their profession to that next level like you!”
Miriam L.Orlando, Florida
“I was new to the area and just picked a mortgage company out of a hat. Fortunately, this was Select Home Loans. From start to finish, the process went smoothly and without any surprises. I highly recommend Select Home Loans.”
Judy M.Boca Raton, Florida
1 / 4