Your rental. A new financing review.
DSCR Refinance Loans in Los Angeles
DSCR refinance loans help eligible Los Angeles rental owners replace existing financing using the property’s rental income as a key part of the review. You can discuss changing loan terms or requesting cash out.
The Funding ClinicMailing address: 5665 W. Wilshire Blvd #1506, Los Angeles, CA 90036(844) 524-3863 · Mon–Fri 9:00 AM–5:00 PM
01 / Understand the loan
What Are DSCR Refinance Loans?
Compare the new financing with the loan you already have.
A DSCR refinance replaces an existing investment-property loan. The lender evaluates the property’s rental income relative to the proposed debt payments, along with value, existing debt, borrower qualifications, and other requirements.
Your goal may be a different repayment structure, an exit from short-term financing, or cash out. DSCR refinance rates and fees vary by lender and application; a refinance does not automatically reduce your payment or total borrowing cost.
02 / See how it fits
Who This Is For
- Los Angeles rental owners who want cash from their equity
- Owners with a short-term or hard money loan who want a longer loan
- Investors who want to change the loan terms
- Self-employed owners who cannot show tax-return income
What You May Need
Requirements vary by lender and program. Common items to discuss include:
- A signed loan application with credit authorization
- Your current mortgage statement
- The current lease and rent history
- Photo ID and entity papers if the property is in an LLC
- Proof of cash reserves
03 / Your local investment
Serving Los Angeles and Nearby Cities
For a Los Angeles rental refinance, your current loan statement and lease provide a useful starting point. If you recently completed a renovation, explain the property’s current condition and occupancy so the lender can review the proposed next step.
- Los Angeles
- Inglewood
- Culver City
- Beverly Hills
- West Hollywood
- Santa Monica
- Glendale
- Burbank
- Pasadena
- East Los Angeles
- Hawthorne
- Compton
- Alhambra
04 / A little clarity
Questions We Hear a Lot
How does a DSCR refinance work?
You apply for a new loan on an existing rental property. The lender reviews rental income, value, current debt, credit, funds, and property eligibility. If the loan closes, the new financing pays off the existing loan and applicable costs.
Can a DSCR refinance include cash out?
It may, subject to the lender’s limits and the property’s value, debt, rent, and application details. Available proceeds are determined after existing financing and costs are paid.
Can I refinance out of hard money?
Possibly. The new lender may have requirements for ownership history, completed repairs, occupancy, and rental documentation. A future refinance is a separate approval.
What affects DSCR refinance rates?
Pricing varies with the lender, market conditions, property, loan structure, credit, leverage, and rental-income review. Request a current offer and compare its fees and terms alongside the rate.
05 / Explore your options
Related Loan Options
Know Who You’re Working With
The Funding Clinic is a mortgage broker. We arrange loans funded by third-party lenders. View our BBB business profile to learn more about our company. Read our Google reviews
Your next move starts here
Ready to talk about your deal?
Tell us about your deal. We will help you find the right loan.
The Funding ClinicMailing address: 5665 W. Wilshire Blvd #1506, Los Angeles, CA 90036(844) 524-3863 · Mon–Fri 9:00 AM–5:00 PM