The Process
From First Call to Funded in 21 Days
No tax returns. No income verification. No surprises. Here is exactly what happens when you work with RentRefi.
Tell Us About the Property
Start by using our free DSCR calculator or give us a call. We need the basics: property address, estimated value, loan amount, and expected monthly rent. This takes about 2 minutes. No documents needed at this stage.
Get Your Custom Rate Quote
Based on your DSCR ratio and deal structure, we put together a detailed term sheet within 24 hours. This includes your estimated rate, loan terms, closing costs, and maximum loan amount. No commitment required.
Simple Underwriting
Once you decide to move forward, we collect your documents and submit to underwriting. No tax returns, no W-2s, no income verification. We review the property appraisal, rent schedule, your credit, and reserves. You will need 6 months of PITI reserves in an accessible account.
Close and Collect Rent
Most deals close in 10 to 21 days from submission. Fund directly into your LLC, trust, or corporation. No last-minute income surprises. You walk away with the keys and cash flow from day one.
Requirements
What You Need to Get Started
Credit Score
Minimum 660. Best rates at 740+. If borrowing through an LLC, the majority owner (51%+) must meet the credit minimum.
Down Payment
Minimum 15% down for purchases (85% LTV). Cash-out refinances require 25%+ equity. More equity means better rates.
Cash Reserves
6 months of PITI reserves in an accessible account. Checking, savings, IRA, or 401k all count.
Experience
Must have owned an investment property for 12 months in the last 3 years. Or 12 months of on-time mortgage payments on a primary residence.
Property Type
1-4 unit single-family (primary program). 5-10 unit residential (separate program). Condos and short-term rentals eligible. No commercial, mixed-use, or rural.
Entity
Close in your personal name, LLC, trust, or corporation. Entity structure affects your rate through loan-level pricing adjustments.
Ready to Run Your Numbers?
See if your deal qualifies in 30 seconds. No signup. No commitment.
Open the CalculatorPrefer to talk? Call (573) 508-1223