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Refinances For Investors

Lower Payments

Reduce your rate and improve cash flow.

Access Equity

Pull equity to fund new deals or renovations.

Flexible Options

There are different ways to verify income.

Fast Closings

We can close in as little as 14 days.

Conventional Investment
Property Refinance

Fully document your personal taxable income for the lowest interest rate.

Lower your interest rate and monthly payment
Access equity for new investments
Based on credit, assets, and property performance
30-year fixed and other flexible terms

DSCR Refinance

Qualify based on your property’s cash flow, not your personal income.

No personal income verification
Based on rental income (DSCR
Up to 80% TV
Perfect for self-employed investors or growing portfolios

See What Your Property Could Qualify For

Get a free, no-obligation review of your investment property.

Check My Refinance Options

Improve Your Situation. Make An Impact

When you choose Tithe Lending, you receive experienced guidance and straightforward advice- and your loan also helps support the Tithe Foundation’s work in local communities.

Common Questions

How is the Debt Service Ratio Calculated?

The Debt Service Coverage Ratio (DSCR) primarily focuses on the amount of rent you will be collecting compared to the mortgage payment for the property.

Example: If your rent on an investment property is $3,000 per month and the mortgage payment on that property is $2,500 per month then you would be at a ($3,000 / $2,500) = 1.2 ‘coverage ratio.

What is the lowest down payment needed to purchase an investment property?

You can purchase an investment property with full documentation with as little as a 15% down payment.

Can I purchase investment properties through my LLC?

In some cases, yes, you can purchase the property in your LLC’s name. Restrictions apply. Let’s discuss.

Can I purchase an empty home and use future rent as income?

Depends. On Investment properties the appraisal adds a ‘Market Rent Analysis’, stating the market rent for the property. You may be able to use part of that Market Rent, even without a lease signed, depending on your experience as a real estate investor.