Keep tax returns out of it
No personal tax returns, W-2s, or pay stubs for income qualification.
DSCR CASH-OUT REFINANCE
Your rental.
Your equity.
Your next move.
Put your rental property's equity to work. Qualify using rental income—with no personal tax returns or W-2s.
No tax returnsNo credit pull to estimate
Your details go to Adaptive Mortgage Solutions.
California · Washington · Oregon · Colorado · Texas · Tennessee · Florida
BUILT AROUND YOUR RENTAL
Your property earns income.
Let it do the qualifying.
A DSCR loan looks at your rental income relative to the property's payment. It's a way to access equity without documenting your personal income.
Use the proceeds for your next investment, property improvements, or other business purposes.
Hold it in your LLC
Options for individual or LLC ownership, subject to program requirements.
More than one rental type
Explore options for 1–4 unit properties, eligible condos, and short-term rentals.
A real person, real terms
Work directly with Mike to review your property, compare options, and plan your refinance.
A CLEAR PATH TO CASH-OUT
From equity to opportunity.
- Start with your numbersTell us the value, mortgage balance, and rental income. See an estimate before sharing your contact details.
- Review your loan optionsMike reviews the property and walks you through available pricing, costs, and program requirements.
- Close and put equity to workComplete underwriting, appraisal, and title review. Receive your proceeds after funding and any required disbursement conditions.
KNOW BEFORE YOU START
A few good questions.
Have a property that needs a closer look?
Call Mike at (949) 828-5359.
How much cash could I take out?
Start with up to 75% of the property's appraised value, then subtract existing mortgage payoffs and closing costs. For example, a $500,000 property with a $250,000 payoff has $125,000 of potential cash before costs at 75% LTV. The final loan amount depends on eligibility and underwriting.
What does DSCR mean?
Debt service coverage ratio compares a property's qualifying rental income with its qualifying debt payment. Taxes, insurance, and applicable association dues affect that calculation. Rental coverage is one part of approval; credit, property, and other program requirements also apply.
Do I need to provide tax returns?
These programs use rental income instead of personal tax returns, W-2s, or pay stubs for income qualification. Property, credit, asset, and other documentation may still be required.
Can I refinance a property held in an LLC?
LLC vesting options are available, subject to lender and entity requirements. Mike can review how the property is currently titled and discuss the available structure.
What if the rental is vacant or short-term?
Options may be available using appraiser-supported market rent or eligible short-term rental income documentation. The property and rental history will need to be reviewed.
Can I use this for the home I live in?
No. This page is for business-purpose loans on non-owner-occupied investment properties. Call Mike to discuss a different option for your primary residence.
What's your rental's next move?
Start with an estimate. Decide with real loan options.