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.
Ted Macuch
Ted Macuch is a Charlotte-based real estate investor, developer, homebuilder, and DSCR loan broker who helps investors compare standard and specialty rental-property financing.
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.
Do DSCR Loans Require Tax Returns? What Investors Actually Need to Provide
Most DSCR loans qualify using property cash flow instead of personal tax returns. Learn what investors usually need and where lender-specific rules can differ.
Can You Get a DSCR Loan on a Manufactured or Mobile Home?
Yes, some lenders finance manufactured-home rentals with DSCR loans. Learn why title, land, foundation, age, appraisal and property classification matter.
DSCR Cash-Out Refinance Requirements: What Investors Should Know
Learn the major factors that affect a DSCR cash-out refinance, including LTV, value, seasoning, DSCR, credit, reserves and prepayment terms.
Can Airbnb Income Be Used for a DSCR Loan?
Airbnb and other short-term rental income may be usable for DSCR financing, but lenders differ on actual, projected and market-rent methods.
30-Year vs. 40-Year DSCR Loans: Which Is Better?
Compare 30-year and 40-year DSCR loan structures, including payment, cash flow, amortization and the importance of verifying what “40-year” actually means.
Can You Get a DSCR Loan Below 1.00 DSCR?
A DSCR below 1.00 does not always eliminate financing. Learn what a sub-1.00 ratio means and how low-DSCR or no-ratio programs may work.
What Credit Score Do You Need for a DSCR Loan?
There is no single minimum credit score for every DSCR loan. Learn how credit affects eligibility, LTV, pricing and which alternatives may exist for lower scores.