Two-Property 70% LTV Cash-Out DSCR Comparison
Real anonymized FastTrack comparison of two 70% LTV cash-out refinances: $596,400 combined new loans and about $233 monthly P&I savings with 40-year terms.
REAL-WORLD DSCR
Real DSCR Scenario Library
See anonymized DSCR quotes FastTrack has actually reviewed—what the numbers looked like, what changed, and the trade-offs behind the structure.
Real quotes. Identifying details removed. Rates and terms are date-specific—not current offers.
What These Scenarios Show
DSCR lending is rarely just one number. These real quote examples show how leverage, amortization, credit, fees, prepayment terms and property-level cash flow can change the answer.
Cash-Out & Leverage
See how loan amount, LTV, lender fees and cash-out goals interact in actual quote structures.
DSCR & Term Strategy
Compare how 30-year versus 40-year amortization can change monthly payment and debt-service coverage.
Multi-Property Decisions
See why the best answer can depend on combined cash flow and the individual DSCR of each property.
Explore Real FastTrack Scenarios
Each example is based on an actual FastTrack quote or lender comparison. Borrower names, street addresses and identifying details are removed.
40-Year DSCR Structure Moves Coverage Above 1.00
A real anonymized FastTrack quote showing how a 40-year DSCR structure lowered monthly P&I by $131.35 and moved coverage from 0.9645 to 1.0297.
75% LTV Cash-Out Refinance With 1.16 DSCR
Real FastTrack quote: $180,000 cash-out refinance at 75% LTV with a 1.16 estimated DSCR and 30-year fixed structure. Anonymized and dated.
How to Use This Library
Use these examples to understand how real DSCR structures can behave—not as a rate sheet. Pricing changes, lenders revise guidelines, and no two properties or borrowers are identical. The useful question is whether a past structure reveals another way to approach your current deal.
If you see a scenario that resembles yours, send us your actual numbers and we’ll compare current options.
Want Us to Run Your Scenario?
We’ll review the property, borrower profile and financing goal and compare applicable DSCR structures.
Business-purpose investment properties only. Examples are historical, anonymized quote scenarios and are not commitments to lend or representations of current pricing. Rates, fees, LTV, DSCR requirements and eligibility are subject to lender guidelines and underwriting.