75% LTV Cash-Out Refinance With 1.16 DSCR

A real FastTrack quote showing how a strong-credit rental-property refinance priced at 75% LTV while maintaining positive debt-service coverage.

$180,000

Loan Amount

75%

Loan-to-Value

1.16

Estimated DSCR

6.50%

Quoted Rate

The scenario

This was a cash-out refinance quote for an investment property with a 780 credit score. The proposed structure used a $180,000 loan amount at 75% LTV on a 30-year fixed DSCR program.

The quoted structure

The quote showed a 6.50% fixed rate, estimated monthly principal and interest of $1,137.72, and an estimated DSCR of 1.16. The prepayment structure was 5-4-3-2-1.

Fees mattered too

The lender showed $0 lender origination and a $1,645 underwriting fee on the term sheet. Comparing DSCR options should include lender fees and prepayment structure—not just the headline rate.

Why this scenario is useful

This is the type of file that may look straightforward because the borrower has strong credit and positive DSCR. Even so, shopping the structure can still affect rate, fees, leverage and prepayment terms.

FastTrack Takeaway

A clean DSCR file is still worth comparing across lenders. The goal is not merely to find a program that works; it is to find the structure that best fits the investor’s leverage, cash-flow and cost priorities.

Have a similar DSCR scenario?

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Real quoted FastTrack scenario. Borrower name, street address and identifying details have been removed. Pricing shown reflects the quote date and is not a current offer or commitment to lend. Final terms are subject to lender guidelines, underwriting, appraisal, title and market conditions.