Your rental property
built the equity.
Let’s put it to work.
Most investors don’t realize their existing rental properties can fund their next deal — without a W-2, without two years of tax returns, and without proving personal income. Just the property’s performance.
Why This Matters
Here’s what most investors
don’t realize they have
Florida real estate has appreciated significantly over the last few years. If you purchased an investment property between 2018 and 2022, there’s a strong chance you’re sitting on substantial equity — equity that’s doing nothing for you right now.
Most lenders would tell you that to access that equity, you need to prove personal income, file two years of tax returns, and show business financials. As an investor who writes off everything they can — that’s a problem.
“With a DSCR cash-out refinance, the loan qualifies on what your property earns — not what your tax return shows. That changes everything for serious investors.”
I’ve spent 24 years in Florida real estate, and I saw firsthand in 2008 what happens when investors are over-leveraged and under-resourced. A smart cash-out strategy isn’t about spending equity — it’s about deploying it into your next deal before someone else does.
What Is It
DSCR Cash-Out Refinance, Explained
DSCR stands for Debt Service Coverage Ratio — a calculation that compares your property’s rental income to its total monthly debt obligation. If your property earns more than it costs, you likely qualify.
No Income Docs Required
Qualification is based entirely on the rental income the property generates — not your personal income, W-2s, or tax returns.
Access Up to 75% LTV
Pull out a significant portion of your equity in a lump sum — enough to fund a down payment on your next acquisition or renovation.
Eligible Property Types
Single-family homes, duplexes, triplexes, quadplexes, and non-warrantable condos used as investment or rental properties.
Use the Funds Freely
Down payment on next property. Renovations. Portfolio diversification. There’s no restriction on how you deploy your equity.
Florida Market Advantage
Strong Florida rental demand supports healthy DSCR ratios — giving Central Florida investors a real edge when qualifying.
Foreign Nationals Welcome
International investors and foreign nationals can qualify. No U.S. tax history or credit score required in most cases.
Who This Is For
You’re likely a fit if…
DSCR cash-out refis are designed for investors — especially those whose income looks complex on paper. You don’t need a traditional income profile to qualify.
- You own a Florida investment or rental property
- Your property generates consistent monthly rental income
- You’re self-employed or have non-traditional income
- Your tax returns don’t reflect your actual cash flow
- You’re an international or foreign national investor
- You want to fund your next acquisition without selling
- You purchased your property 2–5 years ago and have equity
- You want to build a portfolio — not just own one property
How It Works
From application to funded
in four simple steps
The DSCR process is streamlined by design. No income docs, no employer calls, no complicated income averaging — just a clear path from your property’s performance to your next investment.
A 15-Minute Conversation
We review your property, your current loan, and your goals. I’ll tell you right away if a DSCR cash-out refi makes sense — and how much equity you could likely access.
No commitment. No credit pull. Just clarity.Property & Income Analysis
We calculate your DSCR using current market rents or your existing lease. If the number works, we move forward. Most properties in active Florida rental markets qualify comfortably.
Rental income does the heavy lifting here.Application & Appraisal
We submit your application with minimal documentation. An appraisal confirms your property’s current market value — which often comes in higher than investors expect in today’s Florida market.
Your equity position may be stronger than you think.Close & Deploy
You close on your new loan, receive your cash-out funds, and you’re positioned to move on your next deal. One refinance can open the door to your next property — and the one after that.
Your portfolio grows without liquidating what you’ve built.What If
What if your
current property
funded the next one?
This is exactly how serious investors build portfolios in Florida. Not by saving for years — by leveraging what they’ve already built, strategically and without overextending.
I’m a licensed Florida Mortgage Broker with 24 years in this market. I’ll give you a straight answer — and if the numbers don’t work, I’ll tell you that too.
Let’s Look at Your Numbers
Takes less than 2 minutes. No credit check required.
By submitting, you agree to be contacted by Stacy Ann Stephens, NMLS #1933745 | Jhenesis Mortgage NMLS #2532705 regarding your mortgage inquiry. This is not a loan commitment or approval.