REAL DSCR SCENARIO • QUOTED SEPTEMBER 2026
Two-Property 70% LTV Cash-Out Comparison
A real FastTrack two-property review showing how 30-year and 40-year structures changed combined payment, cash-out potential and property-level DSCR.
$596,400
Combined New Loans
$40,246
Potential Gross Cash-Out
$233.35
40-Year Monthly P&I Savings
70%
Approx. Cash-Out LTV
The scenario
This real FastTrack review compared two investment-property cash-out refinances under one lender at approximately 70% LTV. The investor wanted to maximize usable cash flow while keeping both properties with the same lender and using fully amortizing loans.
Combined refinance structure
The two proposed new loans totaled $596,400 against a current payoff of $556,153.56. That created approximately $40,246.44 of potential gross cash-out before closing costs and prepaid items.
30-year comparison
The combined 30-year principal-and-interest payment was approximately $3,917.92 per month. The individual property DSCRs were 0.9645 and 0.9056.
40-year comparison
The combined 40-year principal-and-interest payment was approximately $3,684.57 per month—about $233.35 lower. The individual DSCRs improved to 1.0297 and 0.9325. One property crossed above 1.00 DSCR; the other improved but remained below 1.00.
Why the combined view mattered
The 40-year structure improved portfolio-level monthly cash flow without reducing the requested loan amounts. It also strengthened property-level DSCR, which can materially affect lender eligibility and pricing.
The trade-offs
The longer term means slower principal paydown, and the 40-year rate was not lower on every property. All reviewed scenarios included a 5-year prepayment penalty, so cash flow, amortization, rate and exit plans all had to be considered together.
Related reading: DSCR Cash-Out Refinance Requirements and Blanket & Portfolio DSCR Loans.
FastTrack Takeaway
Multi-property financing should be evaluated as a system. The best structure can depend on combined monthly cash flow, individual property DSCR, payoff amounts, prepayment terms and the investor’s hold strategy—not simply which option has the shortest amortization.
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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.