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Cash Out Refi 80 LTV
Last updated: January 8, 2026
If you're a real estate investor looking for a cash out refi 80 LTV DSCR loan, you are in the right place, welcome to OfferMarket!
Did you know that you can now qualify for an 80% LTV cash out refi DSCR loan instead of the typical 75% LTV max? Our mission is to help you build wealth through real estate and we do that by providing you with what we believe is the most reliable, competitive, innovative, and cost-effective DSCR loan program in the industry.
This article will explain our 80% LTV cash out refi DSCR loan using specific scenarios and clearly referencing program guidelines. We'll answer frequently asked questions and our team of DSCR loan experts be standing by to assist you with your unique scenario.
80 LTV Cash Out Refi
In the world of single family (1-4 unit) residential rental property investing, the max LTV for cash out refi is typically 75%. Working with our institutional credit investors, we now offer 80% LTV cash out refi for qualified borrowers covering a broad range of scenarios.
Guidelines for 80 LTV Cash Out Refinance
In order to be eligible for 80% LTV cash out, the following guidelines must be met:
| Guideline | Requirement for 80 LTV Cash Out |
|---|---|
| Minimum FICO | 720 |
| Minimum Loan amount | $100,000 |
| Maximum Loan amount | $1,000,000 |
| Minimum DSCR | 1.0 |
| Minimum Reserves | 3 months PITIA |
| Eligible property types | 1-4 unit residential, Non-rural |
| Eligible rental strategy | Long-term rental (unfurnished) |
| Eligible borrower status | US Citizen, Green Card holder |
| Term | 30 year |
| Structure | Fixed rate, fully amortizing |
The following scenarios are ineligible for 80% LTV cash out refi this time:
| Guideline | Ineligible for 80 LTV Cash Out |
|---|---|
| Markets | AZ, CA, MN, NV, UT, VT, Baltimore, Philadelphia |
| Leasing strategy | Short-term rental (STR) |
| Property type | Non-warrantable condo |
Business Entity vs Personal Name
Unlike most DSCR loan programs where you need to borrow via a business entity (i.e. LLC), you can borrow in your personal name though it is important to understand the differences:
| Feature | Borrowing in Business Entity | Borrowing in Personal Name |
|---|---|---|
| Titleholder | Business Entity | Personal Name |
| Guarantor | At least 25% of entity members | Personal Name |
| Primary Identifier | EIN | SSN |
| Credit Report | Stays off personal report* | Usually appears on personal report |
| DTI Impact | None | High (affects personal DTI) |
| Credit Inquiry | Soft pull on your personal credit | Soft pull on your personal credit |
| Liability Protection | High | Low, consider umbrella policy |
Example of 80 LTV Cash Out Refi
Let's take a look at an example scenario: Adam Smith is a BRRRR method investor who purchased a property for $100,000, spent $50,000 to rehab it, and then rented it out. Now he wants to refinance the property to pull out as much cash as possible to grow his rental portfolio. He comes to OfferMarket and get's an instant quote. OfferMarket orders an appraisal and Adam completes the online processing checklist in his Loan File. Adam's loan is funded in well under 30 days which is important to Adam because he had his next purchase lined up for an off market deal he found on OfferMarket's investment property marketplace.
- Property type: single family (SFR)
- As Is value: $250,000
- Loan amount: $200,000
- LTV: 80%
- Credit score: 771
- Background: clean
- Leasing strategy: LTR (12 month lease)
- Actual rent: $2,500
- Appraisal rent: $2,500
- Annual taxes: $3,000
- Annual insurance: $1,250
- Annual HOA: $0
- Interest rate: 6.5%
- DSCR: 1.54
- Origination fee: $1,500
- Lender fee: $1,500
- Title fees: $1,500
- Escrow: $1,062
- Cash to close: $0
- Liquidity to verify: $0
- Cash out proceeds: $193,958
Frequently Asked Questions
Do DSCR loans report to personal credit?
If you are using a business entity (i.e. LLC) then no, the loan will not appear on the entity member or guarantor personal credit report. If you are borrowing in personal name (title is in your name, not a business entity), then you should expect the servicer will report to your personal consumer credit report.
Do DSCR loans require a personal guarantee?
For 1-4 unit residential properties, you should expect that at least 1 personal guarantor will be required. Depending on scenario our DSCR loan programs allow as low as 25% of the borrowing entity's membership to serve as guarantor.
How long does it take to get a DSCR loan?
This depends on your DSCR lender and scenario. With OfferMarket, as long as there are no appraisal, title or borrower delays, we can close in as low as 10 calendar days though appropriate conservative expectations is our 20 - 25 calendar day target.
Do I need a W-2 or tax returns for a DSCR loan?
No! DSCR loans are business purpose loans. We do not ask for tax returns or employment/income verification.
What type of insurance do I need for a DSCR loan?
You need landlord insurance which is a type of homeowners insurance that includes the following coverages: dwelling, liability, loss of rent. OfferMarket has an insurance rate shopping service that specializes in landlord insurance and we'd love to help you save time and money on your landlord insurance policy!
Join OfferMarket
OfferMarket is a real estate investing platform focused on serving rental property investors. We focus exclusively on 1-4 unit residential properties and we serve investors across the continental United States. Whether you're at 0 rentals and just getting started or working towards 1,000 properties in your portfolio, you will get remarkable value from the OfferMarket platform.
We hope you will accept our invitation to join us and over 22,000 registered members.
Membership is entirely free and comes with the following benefits:
🏚️ Investment property marketplace 💰 Private lending ☂️ Landlord insurance rate shopping 💡 Market insights
Our mission is to help you build wealth through real estate and we look forward to contributing to your success!
