CalculateRealEstateROI

Financing

How does a cash-out refinance work on rentals?

Max 75% LTV (conventional) or up to 80% (DSCR); 6-month seasoning typical.

Reviewed by Keiron Brown, Founder & Editor, CalculateRealEstateROI · Educational estimates only — not investment, financial, tax, or legal advice

Direct answer

Max 75% LTV (conventional) or up to 80% (DSCR); 6-month seasoning typical.

Expanded explanation

Cash-out is the BRRRR exit tool. Conventional usually requires 6–12 months of ownership; DSCR lenders sometimes 0–90 days based on appraised value.

Examples

  • $200k appraisal × 75% = $150k loan; payoff $90k = $60k cash out.

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