DSCR refinance · Rentals you already own
The bank reads your tax returns. Daniel reads the rent.
DSCR refinance = rent vs payment — not your W-2. Daniel shops it across 90+ lenders.
- Experience.com reviews
- 90+
- Lenders he can shop
- #2297385
- NMLS · Branch Manager
How the file is read
Two lines decide it. Everything else is background.
Conventional underwrites you. DSCR underwrites the rental — rent against payment. Gold decides; grey is still collected, not the test.
Who this is for
You own the doors. The paperwork is what said no.
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“Your write-offs make your income too low.”
The 1040 was never the asset.
DSCR qualifies the rent the property collects — not what’s left after deductions.
Read: the rent, not the return -
“Your bridge loan matures in a few months.”
Hard money did its job. It isn’t permanent.
Unit leased, maturity ahead — a DSCR refinance is often the long-term exit.
Read: the maturity date first -
“Leave the equity alone. It’s safer.”
Idle equity is capital not working.
Cash-out from a door that already covers itself — without selling it.
Read: what the rent can carry -
“You’ve hit the limit on financed properties.”
That is a conventional rule, not a DSCR one.
Each rental is read on its own rent and payment — no agency property-count cap.
Read: each door on its own line
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“Danny was not over-assertive. He was extremely patient and answered all of my many questions — sometimes twice.”
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“He found the best possible refinance for us and kept in touch every step of the way.”
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“Fast and simple process. Easy to get paperwork completed, and funding arrived very quickly.”
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“I had some complications with underwriting, but Daniel kept me informed even through that situation.”
Experience.com reviews of Daniel Garcia (LinkedIn, Sep 2026). General mortgage reviews — not DSCR outcomes.
Investor questions
What investors ask before the call.
What exactly is a DSCR refinance?
DSCR is debt-service coverage: whether the rental’s income covers its payment — not your W-2 or tax return. Here it means refinance of investment property you already own.
Do I need tax returns?
Not for qualification. You’ll still provide property and identity items — lease or rent evidence, entity docs if you vest that way. Daniel itemizes yours on the call.
Can I close in my LLC?
Entity vesting is common on DSCR. Tax structure is your CPA’s call — Daniel confirms what the program allows.
How much cash-out might be available?
Depends on program, value, balance, and what payment the rent can carry. No honest number on a webpage — that’s the review.
Is the rate higher than conventional?
Often yes — the trade for qualifying on the property and closing in an entity. You’ll hear it from Daniel, not in fine print.
How long does it take?
Varies by program and property. Typically lighter docs than conventional. He won’t promise a date from this page.
Next
Send the rental. Daniel reads coverage and calls.
A 15-second quiz. Not an application. No credit pull, no SSN.
15-sec rental quiz
About 15 seconds- 01The rental
Market, rough rent, balance, goal.
- 02How to reach you
Name and mobile.
- 03Daniel calls
Coverage, then next steps.