Investment Property Refinance Calculator in Florida

Use this guide to estimate your investment property refinance — the new payment, the closing costs, and the month you break even. Then we confirm it with real lender numbers.

70-75%

Max LTV

Allowed

Cash Out

Rent or DSCR

Income

Rentals & portfolios

Florida

Call Now

Get Pre-Approved in Investment Property Refinance Calculator

5 minutes · No cost · Soft credit pull only

I consent to receive SMS from HomeMTG.loans. Reply STOP to opt out. Msg & data rates may apply. (Optional)

NMLS# 1859012 · Equal Housing Lender

Investment Property Refinance · Calculator

Investment Property Refinance Calculator in Florida

A investment property refinance only makes sense when the savings beat the cost. The math that matters is your break-even: closing costs divided by monthly savings tells you how many months until the refinance pays for itself. If you will sell or refinance again before then, it is not worth it yet. We run your exact figures so the decision is based on your numbers, not a generic estimate.

Refinancing an investment property lets you cut the rate, pull cash to buy the next door, or move from a hard-money loan into long-term financing. You can qualify the conventional way or on the rental income itself with a DSCR loan.

Investment refinances are capped lower than primary homes — usually 70-75% loan-to-value — because lenders see more risk. But the cash-out from one property can become the down payment on another, which is how Florida investors scale.

If your tax returns understate your income, a DSCR refinance qualifies the property on its rent-to-payment ratio with no personal income docs. We compare conventional and DSCR side by side so you keep the structure that fits your portfolio plan.

Investment Property Refinance at a Glance

✓Cash out up to 70-75% to fund the next purchase.

✓Qualify conventionally or on rental income via DSCR.

✓Refinance out of hard money into long-term financing.

✓Built for scaling a Florida rental portfolio.

Read the full investment property refinance guide, or explore: Requirements · Rates · Guide.

Investment Property Refinance Snapshot

Max LTV70-75%

Cash OutAllowed

IncomeRent or DSCR

FloridaRentals & portfolios

How It Works

Apply Online

5 min · soft credit pull only

Break-Even Check

We confirm the savings beat the cost

Processing

Our team handles paperwork

Typically 21–30 days

FAQ

Investment Property Refinance Questions

How do I know if a investment property refinance is worth it?

Divide your closing costs by your monthly savings to find the break-even month. If you will keep the home past that point, the investment property refinance pays off. We calculate it precisely with real lender quotes before you commit.

How much can I cash out refinancing a Florida rental?

Investment properties are typically limited to 70-75% loan-to-value on a cash-out refinance, lower than a primary residence. We calculate the available cash from a current valuation and rent roll so you know exactly what funds the next deal.

Can I refinance a rental without showing my income?

Yes, with a DSCR refinance. It qualifies the property on whether the rent covers the payment, with no tax returns or pay stubs. It is the common choice for investors with multiple properties or heavy write-offs.

Keep Going

Investment Property Refinance Guide Investment Property Refinance · Requirements Investment Property Refinance · Rates Investment Property Refinance · Guide All Refinance Options Get a Refinance Quote

Investment Property Refinance Calculator?

A licensed Florida mortgage broker who runs your break-even before you pay a cent — honest numbers, no pressure.

(561) 300-0380

Figures are illustrative only and vary by credit score, loan amount, equity, and market conditions. Subject to credit approval. Not a commitment to lend. NMLS# 1859012. Equal Housing Lender.