Speak with a DSCR Refinance Specialist: (855) 848-2862
Who qualifies for DSCR Refinance?
Self-employed investors, bad credit borrowers, foreign nationals, and anyone exiting hard money or bridge loans.
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- Multifamily
- Apartment Buildings
- Duplex, Triplex & Fourplex
- Single Family Rentals
- 1-4 Unit Buildings
- 5+ Unit Buildings
- Investment Property
- Mixed-Use
- Office/Retail/Warehouse
500 FICO
QUALIFY WITH POOR CREDIT
NO INCOME NO DOCS
RENTAL INCOME QUALIFIES
NO W2 & NO TAX RETURNS
NO TAX RETURN OR W2 TO QUALIFY
NO BALLOONS
FIXED PERIOD LOANS
LOW RATES
LOW INTEREST RATES
$75K - $50MM
LOAN AMOUNTS
75% LTV
NO INCOME NO ASSET VERIFICATION
CLOSE IN 3 WEEKS
QUICK LOAN FUNDING
Trusted by Real Estate Investors Nationwide
Over 25 years of lending experience · Serving all 50 states · Loans from $75K to $50MM
“I had a balloon coming due on my apartment building bridge loan and was running out of runway. New City Financial refinanced me into a 30-year DSCR in 19 days — saved the deal.”
Michael R.
Portfolio investor · Texas · 8 rental properties
“As a self-employed investor, refinancing through traditional lenders was nearly impossible because of my write-offs. New City qualified me on rental income alone. Pulled cash out to buy two more properties.”
Sandra L.
Self-employed investor · Florida · Multifamily
“I would like to thank Barron with new city financial for his guidance and expertise with my situation. He made me feel as if I was consulting with a friend not just a business deal. We look forward to continuing business and friendship. Thank you from Vault Investments LLC”
Nathan P.
Vault Investments LLC
“I’m a foreign national and thought getting a US investment property loan would be impossible. New City Financial made it simple. Closed on my apartment building in New York in 21 days.”
Wei C.
Foreign national investor · New York · 12-unit building
“New City Financial is the best out here. I have had my business since 2021. NCF by far is the most reliable. We are a very small investment company, usually people look at our size and don’t really want to help us. Baron with NCF has always kept his word and helped us through obstacles that most companies out here could never achieve. We can not say enough about this company and the way they handle their clients.”
Amelia B.
Small Investment Company
“They were assertive, responsive, informative and respectful! They got me funded and the whole process was excellent! I would definitely recommend them!.”
Ryan O.
Fully Funded
What Is a DSCR Refinance Loan?
A DSCR (Debt Service Coverage Ratio) refinance loan qualifies you based on your rental property’s income — not your personal income, W2s, or tax returns. Instead of reviewing pay stubs or employment history, lenders calculate a simple ratio:
A ratio of 1.0 or above means the property covers its own debt — and you qualify.
If your rental income covers the new mortgage payment, you qualify — regardless of your personal income, employment status, or tax situation. This makes DSCR refis the go-to financing solution for self-employed investors, portfolio builders, foreign nationals, and anyone with complex finances who wants to lower their rate, pull cash out, or exit a hard-money loan without the red tape of traditional lending.
Perfect for: Self-employed investors · Portfolio builders refinancing multiple rentals · Foreign nationals · Bad credit borrowers · LLC borrowers · Airbnb / STR operators · Investors exiting bridge or hard-money loans · 1–4 unit and 5+ unit owners pulling cash-out
Who Qualifies for a New City Financial DSCR Refinance?
- ✅ Self-employed investors & business owners — No W2s, no pay stubs, no employment verification required for refinance.
- ✅ Bad credit borrowers — 500 FICO minimum — We qualify you on the property’s income, not your credit history
- ✅ Foreign nationals — Non-US citizens can refinance US investment properties through DSCR.
- ✅ LLC and entity borrowers — Refinance and close in your LLC, corporation, or other business entity.
- ✅ Portfolio investors with multiple properties — No limit on the number of financed properties — we’ll refi them all.
- ✅ Short-term rental operators (Airbnb / VRBO) — We refinance short-term and vacation rental properties on actual or projected rents.
- ✅ Investors with complex tax situations — High write-offs? No problem — we don’t look at tax returns.
- ✅ Borrowers exiting hard money or bridge loans — DSCR takeout into a 30-year fixed before your payoff date.
⚠️ Not eligible: Owner-occupied properties. DSCR refinance loans are for non-owner occupied investment properties only.
NEW CITY FINANCIAL
1000 N WEST STREET SUITE 1200-1812
WILMINGTON, DE 19801
(855) 848-2862
INFO@NEWCITYFINANCIAL.COM
DEBT SERVICE COVERAGE RATIO LOANS
DSCR REFI MULTIFAMILY
DSCR REFI DUPLEX
DSCR REFI TRIPLEX
DSCR REFI FOURPLEX
DSCR REFI 1-4 UNITS
DSCR REFI 5+ UNITS
DSCR RFIF APARTMENT BUILDING
DSCR REFI AIRBNB and VRBO
DSCR REFI SHORT TERM RENTALS
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