DSCR GUIDE
Can You Get a 75% LTV DSCR Cash-Out Refinance?
A 75% LTV cash-out refinance is possible in parts of the DSCR market, but the lender must allow that leverage for the borrower’s credit, DSCR, property type, seasoning, state, and loan amount.
Is 75% LTV available on a DSCR cash-out refinance?
Potentially. Some DSCR programs can reach 75% LTV on qualifying cash-out refinances, but 75% is not a universal cash-out limit. Credit score, DSCR, property type, ownership seasoning, appraisal, reserves, loan size, and state can reduce the maximum leverage or remove a lender from consideration.
Why advertised maximum LTV can be misleading
A lender may advertise a high maximum LTV for DSCR loans, but that number may apply only to purchases, stronger credit tiers, certain property types, or files meeting a minimum DSCR. Cash-out often has its own leverage table.
The meaningful question is whether 75% is available for your exact transaction, not whether a lender has “up to 75%” somewhere in its matrix.
The factors that most often change a 75% request
- Credit score: Lower credit can reduce allowable leverage.
- DSCR: Sub-1.00 or weak coverage may carry lower LTV caps.
- Seasoning: Time on title and prior acquisition details can affect cash-out eligibility.
- Property type: Condotels, rural properties, manufactured homes, 2–4 units, and other specialty collateral can have separate limits.
- Appraisal and value support: The refinance is only as strong as the accepted value.
- Reserves: Required liquidity may rise with leverage or risk.
Example: the difference between 70% and 75% LTV
Hypothetical example: On a $400,000 property, 75% LTV equals a $300,000 loan and 70% LTV equals $280,000. That $20,000 difference in proceeds can materially affect the lender pool, pricing, reserves, and DSCR because the higher loan amount also increases the monthly payment.
Why LenderMatch is useful at the leverage edge
FastTrack uses LenderMatch™ to identify programs that appear to fit the entire scenario, then compares economics among the viable options. Sometimes 75% works. Sometimes 70% produces substantially more lender choices or a better overall structure. The objective is to see both rather than assume the maximum leverage is automatically the best loan.
Frequently Asked Questions
Does 75% LTV mean I receive 75% of the property value in cash?
No. The new loan amount may be 75% of value, but existing liens, closing costs, prepaid items, reserves, and other charges reduce net cash proceeds.
Can a low DSCR still qualify at 75% cash out?
Possibly with certain programs, but low DSCR often changes maximum leverage and pricing. The interaction has to be reviewed lender by lender.
Does free-and-clear ownership help?
It removes the need to pay off an existing mortgage, which can increase net proceeds, but the lender still applies its normal cash-out, seasoning, credit, DSCR, and property rules.
Would 70% LTV be easier than 75%?
Often, lower leverage can expand the lender pool or improve pricing and qualification, but the result depends on the scenario.
Bottom line
A 75% LTV DSCR cash-out refinance can be available, but it sits at the intersection of several underwriting limits. Compare the complete transaction at 75% and at a slightly lower LTV before deciding which structure creates the best usable outcome.
Have a property in mind? Request a DSCR quote and FastTrack can review the complete scenario through LenderMatch™ to identify lender programs worth exploring.
Business-purpose investment properties only. Program availability, rates, fees, leverage, documentation, and approval are subject to lender guidelines and underwriting. This information is general and is not a commitment to lend.