Unlock Your Property's Equity with Cash-Out Refinancing
Specialized DSCR loans for real estate investors. No income verification. No tax returns. Fast approvals.
Why Choose Zeus Commercial Capital?
We specialize in investment property financing with flexible terms designed for real estate investors.
No Income Verification
Qualify based on property cash flow, not your personal tax returns or W-2s.
Fast Approvals
Streamlined process designed for real estate investors who need to move quickly.
Competitive Rates
Industry-leading rates for investment properties and cash-out refinances.
No Ratio DSCR
Options available even if the property does not currently cash flow.
1-4 Unit Properties
Financing available for single-family, duplex, triplex, and quadplex properties.
Foreclosure Bailout
Emergency refinancing solutions to save your investment property from foreclosure.
Trusted by Real Estate Investors Nationwide
We understand the unique needs of real estate investors. Our specialized loan products are designed to help you scale your portfolio without the red tape of traditional banks.
Fast & Efficient Process
Close in days, not weeks.
Personalized Service
Direct access to decision makers.
Proven Track Record
Over $500M funded nationwide.
Meet Our Expert Team
Dedicated professionals committed to securing the best financing for your investment goals.
DSCR Loans for Real Estate Investors
Scale your portfolio without the hassle of traditional income verification.
See If I Qualify →What is a DSCR Loan?
A Debt Service Coverage Ratio (DSCR) loan allows real estate investors to qualify for a mortgage based on the cash flow generated by the investment property, rather than their personal income.
This means no tax returns, no W-2s, and no complicated DTI (Debt-to-Income) calculations. If the property's rental income covers the monthly mortgage payment, you can qualify.
How DSCR Works
Lenders calculate the DSCR by dividing the property's monthly rental income by its monthly PITIA (Principal, Interest, Taxes, Insurance, and HOA). A ratio of 1.0 means the rent exactly covers the payment. Most lenders prefer a ratio of 1.20 or higher, but we offer options even if the ratio is below 1.0 (No-Ratio DSCR).
💡Pro Tip: DSCR Calculation Example
- Monthly Rental Income: $3,000
- Monthly PITIA: $2,400
- DSCR = $3,000 ÷ $2,400 = 1.25
A DSCR of 1.25 means the property generates 25% more income than required to cover the debt, making it an excellent candidate for financing.
Why Choose DSCR Financing?
No Income Verification
Qualify based entirely on your property's cash flow. No tax returns, W-2s, or complex DTI calculations required.
Unlimited Properties
Scale your portfolio without arbitrary loan limits holding you back.
LLC Friendly
Close in the name of your entity to protect your personal assets.
Fast Closings
Streamlined underwriting gets you to the closing table in weeks, not months.
Short-Term Rentals OK
Use AirBnb or VRBO income to qualify your property's cash flow.
Flexible Credit
Options available for investors with less-than-perfect credit histories.
No Ratio DSCR Loans
Does your property have vacant units or current rents below market value? Our No-Ratio DSCR loans are designed for properties that don't currently cash flow or have a DSCR below 1.0.
💡Pro Tip: Typical Requirements
Stronger credit profile (680+ FICO) and slightly higher down payment or equity position.
DSCR Loan Terms & Requirements
Loan Features
- $75K-$3M+ Loan Amounts
- 30-yr fixed, 5/1, 7/1, 10/1 ARM
- Interest-only options available
- No prepay penalty options
Borrower Requirements
- 620+ Minimum FICO
- DSCR 1.0+ (No-ratio available)
- 6-12 months reserves
- 1-4 unit properties
- Non-owner occupied only
Cash-Out Refinance for Investment Properties
Leverage your equity to grow your portfolio or improve your properties.
Calculate My Equity →What is a Cash-Out Refinance?
A cash-out refinance replaces your existing mortgage with a new, larger loan based on the current appraised value of your investment property. You receive the difference between the two loans in cash at closing.
Benefits of Cash-Out Refinancing
Access tax-free capital to purchase additional properties, renovate existing ones, consolidate high-interest debt, or increase your liquid reserves. By using a DSCR cash-out refinance, you skip the personal income verification required by traditional banks.
💡Pro Tip: Cash-Out Refinance Example
- Property Value: $400,000
- Current Mortgage Balance: $200,000
- 75% LTV New Loan: $300,000
- Cash Out to Investor: $100,000
Why Cash-Out Refinance Your Investment Property?
Cash-Out vs Rate-and-Term
| Feature | Cash-Out Refinance | Rate-and-Term Refinance |
|---|---|---|
| Primary Goal | Access equity as cash | Lower rate or change term |
| Loan Amount | Increases | Stays same (plus closing costs) |
| Max LTV | Typically up to 75% | Typically up to 80% |
| Interest Rate | Slightly higher than rate-and-term | Usually the lowest available |
| Best For | Investors needing capital to grow | Investors looking to reduce payments |
Cash-Out Refinance Requirements
Property Requirements
- 1-4 unit residential properties
- Must be non-owner occupied
- Seasoning: 6+ months ownership
- Appraisal required
- DSCR 1.0+ (typically)
Borrower Requirements
- 620+ Minimum FICO
- Entity (LLC/Corp) allowed
- 6+ months reserves
- Clear title history
- No recent bankruptcies
The Cash-Out Refinance Process
Apply & Pre-Approve
Submit basic property and borrower details for a fast quote.
Appraisal & Processing
We order the appraisal and process the entity and title documents.
Underwriting
Final review of the DSCR, appraisal, and credit profile.
Clear to Close
Sign documents and receive your cash out funds.
Stop Foreclosure with Fast Refinancing Solutions
Don't lose your investment property. Our emergency foreclosure bailout loans provide the capital you need to pay off arrears and save your asset.
How Foreclosure Bailout Refinancing Works
Quick Assessment
We evaluate your property value and payoff amount immediately.
Fast Approval
Skip the red tape. We focus on equity, not your credit score.
Close & Save
We fund quickly to stop the auction and secure your investment.
Why Choose Zeus for Foreclosure Bailout
Speed of Execution
We can close in days, not weeks.
Equity-Based
Approval based on property value.
No Income Docs
No tax returns or W-2s needed.
Direct Lender
We make the final decisions.
Foreclosure Bailout Qualification
Property Requirements
- Investment properties only
- High equity position required
- 1-4 unit residential or commercial
- Clear title (aside from foreclosure)
Borrower Requirements
- Exit strategy required
- Entity (LLC/Corp) allowed
- Lower credit scores accepted
💡 Pro Tip: DSCR Calculation for Foreclosure Bailout
While traditional DSCR loans require a ratio of 1.0 or higher, our bailout programs focus heavily on the Loan-to-Value (LTV). Even if the property is vacant or underperforming, strong equity can secure the loan.
Common Foreclosure Scenarios We Solve
Tenant Vacancy or Non-Payment
Lost income led to missed mortgage payments.
Personal Hardship
Medical bills or business losses impacted your ability to pay.
Balloon Payment or ARM Reset
Unable to refinance traditionally when a balloon payment came due.
Multiple Properties at Risk
Cross-collateralization causing a domino effect.
Don't Wait Until It's Too Late
Time is your biggest enemy in a foreclosure. Contact us immediately to explore your options and halt the auction process.
Cash-Out Refinance Calculator
Estimate your potential cash-out amount, monthly payment, and DSCR ratio in real-time.
How the Calculator Works
Enter Property Details
Input your property value, current mortgage, and income/expenses.
Instant Calculations
See your potential cash-out (up to 75% LTV) and new monthly payment.
Get Pre-Qualified
Use the results to apply for a loan that fits your goals.
Cash-Out Refinance Calculator
Based on these numbers, you may qualify for a DSCR cash-out refinance. Rates and terms are subject to final underwriting.
Disclaimer: This calculator is for educational purposes only. Actual rates, payments, and terms may vary.
Loan Comparison Tool
Current Loan
New Cash-Out
Side-by-Side Comparison
Key Insights
Understanding Your Results
Cash-Out Amount
The estimated cash you can receive at closing (based on 75% Max LTV).
DSCR Ratio
A ratio of 1.0+ means rent covers the payment. We also offer No-Ratio options.
Monthly Payment
Includes Principal, Interest, Taxes, Insurance, and HOA (PITIA).
Monthly Cash Flow
Estimated profit or loss after the new mortgage payment.
Ready to Move Forward?
Apply NowFrequently Asked Questions
Find answers to common questions about our investment property financing programs.
Ready to Apply? Get Pre-Approved in 24-48 Hours
Start Your Loan Application
Select your loan type below to get started. Fast approvals. No income verification.