The best pricing tier (as low as 5.99%) is available to borrowers who meet all the following criteria:

To Qualify for 5.99% Financing:

• 720+ FICO score
• 2–3 years of documented rental ownership or management experience
• Healthy property cash flow
• DSCR of 1.25x or greater

This tier is reserved for high-quality assets and experienced operators.

Credit Score Tiers & Pricing Considerations

The pricing is based on current credit strength and risk profile:

• 720+ FICO → Best rates and terms
• 680–719 FICO → Competitive pricing with moderate adjustments
• 650–679 FICO → Higher rates, lower leverage, stronger DSCR required

Minimum Loan Amount

The minimum loan amount for this DSCR rental refinance program is $50,000 for a single-family (1-unit) property, and $75,000 for 2–4 unit properties.

Loan amounts are available up to $2,000,000.

This program is intended for investment-grade transactions, not small balance consumer loans.

Cash-Out Refinance Options

For qualifying properties, cash-out is available when:

• Equity remains within acceptable LTV thresholds
• Property continues to meet DSCR requirements
• Use of funds aligns with investment or portfolio strategy

Common uses include:

• Acquiring additional rental property
• Portfolio repositioning
• Capital reserves or operational liquidity
• Strategic reinvestment

What This Program Does Not Require

For qualifying DSCR transactions:

• ❌ No personal tax returns
• ❌ No employment verification
• ❌ No debt-to-income calculations

The focus remains where it belongs:
on the property and its performance.

How Rental Equity Funding Works

We are not a bank.
We are not a call center.
We are not a lead mill.

Rental Equity Funding structures and facilitates DSCR transactions by:

• Reviewing property fundamentals
• Matching loans to the appropriate (many) DSCR lenders
• Positioning deals for optimal approval and pricing
• Managing the process from review to funding

Our role is to protect the deal structure, not push volume.

Start With a Property Review — No Obligation

The first step is simple:

• Review property basics
• Obtain your current FICO score.
  You can easily view your current score for free using the (intuit) Credit Karma mobile app.
• Confirm DSCR and equity profile
• Determine whether refinancing or cash-out actually makes sense

If it doesn’t — we tell you that.

This program is designed for owners who already operate well and want their financing to reflect that reality.