Cash-Out Refinance
Pull equity from a rental property while putting long-term DSCR financing in place.
Explore cash-outDSCR LOANS. INVESTOR TO INVESTOR.
Financing for
Real Estate Investors.
By a Real Estate
Investor.
I’m Josh Bauerle. I help rental property investors refinance, pull out equity, and finance their next deal—with someone who’s been on your side of the closing table.
YOUR PROPERTY’S INCOME. YOUR PORTFOLIO’S NEXT CHAPTER.
BUILT FOR RENTAL PROPERTY INVESTORSThe deal comes first.
60Rental Doors Owned
80+Personal Investment
Properties Financed
Properties Financed
CPAFinancial &
Tax Background
Tax Background
$5M+Investor Loans ClosedIn my first nine months as a lender
YOUR RENTAL. YOUR EQUITY. YOUR NEXT MOVE.
Your property does
the qualifying.
DSCR financing is built around a rental property’s income, rather than your employment income.
With the DSCR loans I offer, you’ll never be asked for W-2s, pay stubs or personal tax returns to document your income. Let’s focus on the property, the numbers, and what you’re trying to accomplish.
See how DSCR worksPUT YOUR EQUITY BACK TO WORK
Financing that fits
the next move.
Refinances are a big part of what I do.
Buying your next rental? I can help with that, too.
Rate-and-Term Refinance
Replace existing financing with a loan structured for your long-term rental strategy.
Explore refinancingPurchase
Finance your next rental property based primarily on the property’s income rather than your employment income.
Explore your optionsREAL DEALS. REAL OUTCOMES.
More than a loan.
A portfolio move.
MONTGOMERY, AL · SINGLE FAMILY
$20K+Cash Out
All purchase and rehab capital recovered, plus more than $20,000 additional cash.
COLUMBUS, OH · TRIPLEX
100%of Capital Recovered
All invested capital returned, plus additional proceeds. More than $500 monthly cash flow.
AKRON, OH · SINGLE FAMILY
AppraisalProblem Solved
I helped the borrower work through a low initial appraisal, provide relevant property information and pursue a new appraisal, ultimately allowing the property to be refinanced out of hard-money financing.
Outcomes reflect individual transactions. Your loan terms and results will vary.
MEET YOUR LENDER
I was an investor
before I was a lender.
JOSH BAUERLEInvestor. Realtor. Lender.
I own 60 rental doors and have personally financed more than 80 of my own investment properties. I’ve been on your side of the closing table over and over again.
My background as a CPA, tax professional and business owner means I’m comfortable with the financial details. My experience as an investor means I know why those details matter.
Get to know JoshA FEW COMMON QUESTIONS
Let’s clear up the basics.
What credit score do I need for a DSCR loan?
Generally, a 660+ credit score opens up a good range of DSCR options. Programs vary by lender, and options may exist outside typical guidelines.
How much can I borrow against my rental property?
Rate-and-term refinances may be available up to 80% LTV. Cash-out refinances are commonly available up to 75% LTV, with some programs potentially allowing 80% depending on the borrower, property and loan program.
What DSCR do I need?
A 1.0 DSCR is a good general benchmark, although programs may be available below 1.0 depending on the overall scenario.
Will I need W-2s, pay stubs or personal tax returns?
No. With the DSCR loans I offer, you will not be asked for W-2s, pay stubs or personal tax returns to document your income. Qualification focuses primarily on the rental property and the overall loan scenario rather than traditional employment-income underwriting.
How quickly can a DSCR loan close?
With a responsive borrower and a straightforward file, a DSCR loan can potentially close in as little as three weeks. More complicated files may take longer.
Can I cash out equity from my rental property?
Yes. Cash-out refinancing can allow investors to recover capital or access equity while putting long-term rental financing in place.
Don’t fit perfectly into the box? Send me the deal anyway. I work with multiple DSCR lenders, so a scenario that doesn’t work with one lender may work with another.
Loan programs and guidelines vary by lender and borrower qualifications. These examples are general guidelines, not a commitment to lend.
LET’S RUN THE NUMBERS