DSCR Refinance Loans for Rental Properties

Refinance to move your business forward

From cash-out flexibility to smarter rates and longer terms, refinancing gives you the leverage to keep growing.

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Pull out cash

Unlock equity to acquire your next property or fund renovations without selling or tapping personal credit.

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Lower Your Rate

Still stuck with a 2022–2023 rate? Reprice at today’s DSCR terms and improve monthly cash flow.

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Reset Your Clock

Extend into a new 30-year fixed term, consolidate loans, and smooth cash flow without restarting depreciation.

“Skeptical at first, having tried several times in past 15 years to get a refinancing on my rental property... the process was smooth and predictable. They were always available to answer my questions and reassure me. I am a very happy camper."

-Lance

Jersey City, NJ

"No one can close a DSCR refinance loan like [Brick City Capital]. They close quickly and do their best to make the numbers work. I will bring all my future refinances and purchases to them!"

-Netonia

Newark, NJ

"Brick City Capital was a pleasure to work with. Fast response and fast turn around time on a refinance. I dealt with Matt, stand up guy, answered every question I had for him. Painless deal."

-Jimmy

Brick, NJ

why brick city capital

Why investors refinance with us

Banks make refinancing slow. We deliver fast cash-out or rate-term investment property loans with clear terms and less hassle.

Cash-out or rate & term

30-year fixed or interest-only options

No income verification required

Refinance in LLC or trust name

Fast underwriting in 72 hours or less

Keep tenants in place, no disruption

Get quote

Recent refinance scenarios we've funded

Compare with our recent dealts

66-Unit (17 Property) Portfolio

Penitas, TX

$6.68M cash-out refinance, 75% LTV

Reduced 12-month prepay penalty and lowered borrower’s rate by ~100bps despite lease-up & appraisal challenges

Two 10-Unit Apartment Buildings

Bronx, New York

$6.53M cash-out refinance, 65% LTV, 30-year term

Higher LTV than typical for low-doc DSCR, transitioned from construction to stabilized financing

15 Newly Constructed BTR Portfolio

Abilene, TX

$4.57M refinance, 70% LTV

Structured as 15 Individual DSCR loans for more competitive pricing, with higher leverage at 1.0x DSCR

Luxury Short-Term Rental

Fort Lauderdale, FL

$2.16M cash-out refinance, 65% LTV

Closed in 7 days with over $1M cash-out proceeds. No T-12 required, BPO used for STR income, and 10 years I/O

Built by brokers.
Backed by closers.

We partner with brokers nationwide — no license required. Submit your client’s purchase, get same-day terms, one rep for all your loans, and get paid at close — fast, simple, and hassle-free.

Become a broker partner

Ready to refinance with Brick City Capital?

Start with a soft pull and deal review, no strings attached. If the numbers pencil, we’ll move fast

Get quote

Our headquarters

50 Park Place, Suite 301 

Newark, NJ 07102

Contact

(973) 705-7725

sales@brkcty.com

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Short-Term Rentals

Non-Warrantable Condos

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Mixed-Use

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Disclaimers:

¹ All loans are for business purposes only and subject to Brick City Capital's underwriting, due diligence, and approval. Terms, amounts, and timelines may vary by borrower, property, and structure. Not all products are available in every date. Past results do not guarantee future outcomes.  
² Representative examples are for illustrative purposes only. Past closings are not a guarantee of future results. Actual closing timelines and amounts will vary by transaction and borrower qualifications.

Disclaimers:

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Smarter DSCR terms for refinancing rentals

Refinance to move your business forward

Pull out cash

Lower Your Rate

Reset Your Clock

Why investors refinance with us

Recent refinance scenarios we've funded

66-Unit (17 Property) Portfolio

Two 10-Unit Apartment Buildings

15 Newly Constructed BTR Portfolio

Luxury Short-Term Rental

Built by brokers. Backed by closers.

Ready to refinance with Brick City Capital?

Built by brokers.
Backed by closers.