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Investment Property Refinance · Rates

Investment Property Refinance Rates in Florida

Investment Property Refinance rates in Florida shift daily with the market and with your credit, equity, and loan size. Here is what drives the rate and how a broker gets you the lowest one.

70-75%
Max LTV
Allowed
Cash Out
Rent or DSCR
Income
Rentals & portfolios
Florida
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5 minutes · No cost · Soft credit pull only
NMLS# 1859012 · Equal Housing Lender
Investment Property Refinance · Rates

Investment Property Refinance Rates in Florida

Your investment property refinance rate is set by your credit score, loan-to-value, loan size, and the day's market — not by any single lender's rate sheet. As a broker we shop multiple lenders against each other for the same file, which is how the same borrower ends up with a lower rate than a single bank would quote. We lock when the timing favors you.

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 · Calculator · Guide.

Investment Property Refinance Snapshot
Max LTV70-75%
Cash OutAllowed
IncomeRent or DSCR
FloridaRentals & portfolios
How It Works
01
Apply Online
5 min · soft credit pull only
02
Break-Even Check
We confirm the savings beat the cost
03
Processing
Our team handles paperwork
04
Close
Typically 21–30 days
FAQ

Investment Property Refinance Questions

What rate can I get on a investment property refinance?

Your investment property refinance rate depends on your credit, equity, loan size, and the market that day. We shop several lenders for your exact file and quote real numbers rather than teaser rates, then time the lock in your favor.

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.

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Investment Property Refinance Rates?

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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.