Guides
Refinance guides for landlords
Practical explanations of the decisions behind a rental refinance. Each guide opens with a short answer, then goes deeper. No rate quotes, no hype.
8 min read
Exiting a hard money loan: a month-by-month refinance timeline
A practical timeline for refinancing out of a hard money or bridge loan into a long-term DSCR loan, from the day you close on the purchase to the day the bridge is paid off.
Read the guide →8 min read
How lenders calculate DSCR on a refinance, and what moves the number
A plain-English walkthrough of the debt service coverage ratio on a refinance: which rent figure lenders use, what counts in the payment, and the levers that change the result.
Read the guide →7 min read
Rate-and-term versus cash-out: choosing how to refinance a rental
How to decide between a rate-and-term and a cash-out refinance on a non-owner-occupied rental: differences in leverage, coverage, seasoning and what each is really for.
Read the guide →8 min read
Seasoning, appraisals and the value question on a rental refinance
Why ownership time matters on a rental refinance, how lenders decide whether to use the new appraised value or your cost, and how to prepare for the appraisal.
Read the guide →7 min read
Prepayment structures on DSCR loans: what to know before you refinance again
How prepayment penalties work on business-purpose DSCR loans, the common structures, how they affect pricing, and how to match a prepayment term to your hold period.
Read the guide →Next step
Bring us the loan you have. We will show you the loans you could have.
Share your current balance, rent and maturity date. A Loan Daddy loan specialist will compare what wholesale lenders can offer for a business-purpose refinance and walk you through the trade-offs, without pressure.