DSCR refinance · Rentals you already own
A loan program designed for real estate investors
A DSCR refinance is underwritten on the property’s rent versus its payment — not your W-2, not your write-offs, not your personal DTI. Ali Sahrai, Branch Manager at West Capital Lending, reads that file himself and shops it across 90+ lenders. Cash-out, rate/term, or an exit from short-term debt.
- 4.9
- 135 reviews · Experience.com
- 90+
- Lenders he shops
- Top 1%
- Scotsman Guide originator
- 2019
- Reading files since
The idea
Redact the borrower. Read the property.
A bank underwrites you — your tax returns, your DTI, how many doors you already have. A DSCR file asks one question first: does this rental’s income cover this rental’s payment? If it does, the property is carrying its own credit story.
- Not requiredTax returnsNo W-2s, no 1040s, no Schedule E write-offs counted against you
- Not the testPersonal DTIYour other debts and your property count don’t decide this file
- DecidesRent ÷ paymentLease or market rent against principal, interest, taxes, insurance, HOA
Credit, reserves, property type and state still matter — they shape which programs are open. Your tax return doesn’t decide it.
Why Ali, not a bank
A bank has one answer. Ali has ninety.
Every DSCR lender draws its lines somewhere different — LLC vesting, short-term rental income, cash-out limits, unit count, foreign-national borrowers. Walk into a bank and you get their one program. Send Ali the rental and he matches it to the lenders whose rules already fit it.
Tap what’s true about your rental
Ninety-plus lenders. Tap what’s true about your rental and watch the field narrow to the ones that will actually say yes — that narrowing is Ali’s job.
Who this is for
You already own the doors. The paperwork is what’s stuck.
Four places conventional refinancing fails investors — and what a DSCR file does differently in each one.
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Write-offs
“My write-offs kill my DTI.”
Self-employed, aggressive on deductions, and told no by a bank that underwrites your tax return. A DSCR file qualifies the rent instead of the return.
Qualify on the rent, not the 1040 -
Balloon
“My balloon is coming due.”
That bridge or hard-money note did its job. It was never meant to be permanent. In many cases a DSCR refinance is the long-term exit — mapped before the maturity date, not after.
Map the exit before the note matures -
Idle equity
“Equity is safer sitting there.”
Real investors don’t wait for capital — they take it from what they already own. A DSCR cash-out redeploys equity without selling a producing door. Cash-out leaves some equity in; Ali will run yours.
Put idle equity back to work -
Property cap
“Conventional hit my limit.”
Financed-property caps are a conventional rule, not a DSCR one. Each rental is looked at on its own income, so the portfolio keeps compounding instead of stalling at a number.
Each door on its own numbers
Terms stay program-dependent. This page will not guess your rate, LTV, or timeline. Send the rental and Ali reviews the scenario.
How he works
Two lenders said no. Ali found the yes.
“Ali Sahrai and his team are absolutely amazing. After disappointing results from two other lenders, I contacted Ali. He and his team quickly assessed my situation and offered me a solution.”
That file was a home-equity line, not DSCR — but it’s the same instinct that makes him good at investor files: when the standard paperwork says the wrong thing about you, find the underwriting basis that reads the truth. For a rental, that basis is the rent.
The originator
The name on the file.
Ali Sahrai · Branch Manager · NMLS #1823316 · West Capital Lending, Irvine
Ali is a Branch Manager at West Capital Lending in Irvine and has originated mortgages since 2019. Before West Capital he was a Senior Mortgage Banker at loanDepot. He works DSCR refinance for investors who already own income-producing property — and because he shops 90+ lenders, he isn’t limited to one bank’s rules on vesting, rent sources, cash-out, or unit count.
His reputation among clients comes down to two things: reading complex scenarios correctly, and following through. You get his direct line — not a rotating call center — and he tells you what the numbers say before you decide anything.
- Scotsman GuideTop 1% originator
- Mortgage Executive MagazineTop Closer
- Experience.com4.9 · 135 reviews · 93% five-star
- Individual NMLS
- #1823316
- Company NMLS
- #1566096
How it works
Three steps. One originator. No rate strip.
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Step 01 · You
Send the rental
Address or market, rough rent, current balance, and what you want the refinance to do — cash-out, rate/term, or an exit from short-term debt. Two minutes.
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Step 02 · Ali
Reads coverage and calls you
He reads rent versus payment, matches the file to the lenders that fit the property and the structure you want, and walks you through what the numbers actually say.
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Step 03 · You
Decide with real numbers
No pressure from a webpage. If the rental may fit, you will know exactly which documents come next — and the honest trade on rate versus access.
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“Ali is awesome! He is very professional, respectful, and knowledgeable. He never rushed me, always took the time to listen and answer my questions, and delivered everything promised. The process was quick, efficient, and seamless.”
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“He stayed in communication with us almost daily. He responded to any question we had quickly. Our loan closed faster than we expected and it was because Ali stayed on top of everything.”
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“This is by far the smoothest, fastest and easiest loan process I’ve ever done. He was efficient, responsive and clearly an expert.”
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“Ali is exactly who you want to be working with. He was always very knowledgeable and so patient answering all the questions you have along the way. Him and his team consistently followed up.”
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“I had already been pre-approved with another lender, but was not happy with what I was getting. Ali came highly recommended, so I gave him a try.”
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“He walked us through every step of our refinance and helped us with whatever he could. He always answered our phone calls and any questions we had through the whole process.”
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“Great customer service. Very knowledgeable and prompt with follow up. Always available to answer questions.”
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“His communication throughout the process is terrific and his knowledge in helping it close quick and easy was great.”
Reviews are from Ali’s Experience.com profile, read September 2026, with light typo cleanup. They are general mortgage reviews, not DSCR outcomes.
Next
Send Ali the rental. He’ll run the numbers.
This is a scenario review, not a loan application. No credit pull, no SSN. Ali reads the property and calls you.
- Refinance only — investment property you already own
- Cash-out, rate/term, or an exit from bridge and hard-money debt
- Personal or entity vesting; your CPA keeps the tax questions
Ali reads the rental and calls you directly — his number is on the confirmation page.
Scenario review
Two minutes- 01The rental
Market, rough rent, current balance — and what the refinance should do.
- 02How to reach you
Name and mobile. No SSN, no credit pull, no documents yet.
- 03Ali calls
He reads coverage and walks you through what the numbers say.