Refinance Your Hard Money Loan into a 30-Year DSCR Rental Loan
Why Refinance Your Hard Money Loan?
Hard money loans are powerful for acquisition and rehab—but they’re not built for the long haul. With high interest rates, short payoff windows, and limited flexibility, many investors refinance into 30-year DSCR rental loans to stabilize cash flow and free up future capital.
If you’re holding a property you intended to flip but now want to keep, or if you used a hard money loan to get in fast but need a more sustainable structure—this program is for you.
How a 30-Year Rental Loan Improves Cash Flow
Refinancing into a 30-year fixed-rate rental loan can cut your monthly payments drastically. Lower carrying costs mean:
- Steady passive income
- Stronger debt service coverage
- Better ROI over time
- More freedom to scale your portfolio
This is especially true when paired with our DSCR qualification model—because we lend based on property income, not personal income.
What Is a DSCR Loan & How It Works
DSCR stands for Debt Service Coverage Ratio. It measures the income your rental property generates relative to its loan payments.
We qualify your refinance based on that ratio—not your tax returns, W2s, or personal income. This makes DSCR loans ideal for:
- BRRRR investors
- LLC-based landlords
- Real estate entrepreneurs scaling fast
If your rent easily covers expenses + mortgage, you’re ready.
BRRRR Strategy Made Easy with Rental Refinancing
Buy. Renovate. Rent. Refinance. Repeat.
That’s the BRRRR method—and we streamline the refinance stage with:
- Fast closings (typically under 14 days)
- No income verification
- Cash-out options for portfolio expansion
- Long-term fixed rates
Start with hard money for speed, then refinance into a 30-year rental loan when it’s time to hold.
Steps to Convert Hard Money Into Long-Term Financing
Step 1: Finish rehab and lease property Step 2: Collect rental income and prepare expense history Step 3: Submit loan application with estimated DSCR Step 4: Get approved and close within 2–3 weeks Step 5: Reinvest cash flow or refinance other assets
We guide you through every step—quickly and clearly.
Who Qualifies for a 30-Year Rental Loan?
Eligibility is property-first. Here’s what we look for:
- Non-owner occupied investment property
- Net cash flow covering debt service (1.0–1.25+ DSCR)
- “As-is” appraised value ≥ $100K
- Minimum loan amount: $75K
- Entity borrowing (LLC, Corp, etc.)
- Mid-credit score 660+ preferred
If your property produces income—we’re ready to lend.
DSCR Loan Requirements & Highlights
- 30-Year Fixed Rate (interest-only or amortized)
- No tax returns, paystubs, or personal DTI required
- Single-property or portfolio loans available
- Cash-out option allowed
- Properties: SFH, 2–4 units, condos, townhomes
- Available in 45+ states
Ask about seasoning requirements if you just completed rehab or a flip.
Fast Closings in 14 Days—No Income Docs Needed
Traditional banks take 45–60 days. We close in 2–3 weeks. No income documentation. No surprises. No delays.
Use our DSCR calculator to check eligibility, get a custom quote in under 30 minutes, and fund your refinance with speed.
Start Your Refinance with Hard Money Man LLC
We’ve funded over 25,000 investor deals and $3.5B+ in real estate loans. If you’re refinancing out of hard money—we’ll make your next loan smarter, faster, and built for the long haul.
