Qualify on the rent, not your tax returns.
A DSCR loan qualifies on the property's rental income instead of your personal income. If the rent covers the payment, you are in the conversation. It is the most common way investors refinance a rental out of hard money.
Buy-and-hold landlords, BRRRR investors, and short-term rental owners who need to refinance a rental out of hard money or bridge debt, or buy the next one.
We compare the property's monthly rent to the loan payment, which is the DSCR ratio. No W-2s, no pay stubs, no tax returns, and no debt-to-income limit.
No W-2s, pay stubs, or tax returns. The property carries the loan.
Keep financing properties past the conventional limit.
Pull equity to fund your next deal and recycle capital.
Figures shown are general program guidelines, not an offer or quote. They vary by lender program, credit profile, property, and market, and are subject to change. This is not a commitment to lend. All loans subject to credit approval.
Answer a few quick questions and we'll point you to your best way out of hard money.
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Equal Housing Lender. Ameritrust Mortgage Corporation NMLS 217229. This is not a commitment to lend. Programs, rates, terms, and conditions are subject to change without notice. All loans are subject to credit approval. Other restrictions and limitations may apply. Michael McDermott NMLS 1036304.