Refinance loans
Refinance around your investment strategy.
Explore refinance options for eligible residential investment properties — restructuring existing financing, accessing equity, or evaluating a different loan strategy.
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Investment Property Refinance at a glance
Investment properties
Refinancing for eligible residential rental properties.
Evolving goals
Financing that can follow your strategy as it changes.
Restructure or access equity
Different refinance structures serve different goals.
Subject to review
Program availability and requirements are subject to review.
Your strategy may have changed.
Refinancing an investment property is different from refinancing a primary residence: the property is a business asset, and the right structure depends on what the property — and your portfolio — is being asked to do.
Real estate investors may consider refinancing for different reasons as a property or portfolio evolves, from restructuring existing financing to accessing eligible property equity. No specific outcome is guaranteed.
01
The property
02
Your strategy
03
Refinance structure
Where refinancing may fit an evolving strategy
Investors may consider refinancing for different reasons as a property or portfolio evolves.
01Restructure existing financing
Evaluate a different structure for an existing loan.
02Access eligible property equity
Potentially borrow against equity built in the property.
03After an acquisition or renovation
Evaluate long-term financing once a project stabilizes.
04Adjust to the strategy
Align financing with an evolving investment plan.
Example scenario
See how it could work
The investor
An investor with a stabilized rental property.
The change
The original financing no longer fits the strategy.
The review
Property performance and goals reviewed together.
The structure
A refinance structure evaluated against the scenario.
Illustrative example only. Actual financing structure, terms, eligibility, and availability vary.
A closer look
More than one way to qualify.
Traditional investment-property financing typically evaluates the borrower’s personal income and credit alongside the property. For some scenarios, alternatives such as DSCR financing take a different approach — focusing on the property’s rental income relative to its debt service.
Which approach fits depends on the property, the borrower, and the strategy. Program availability and requirements are subject to review.
Ask Flash
“What refinance options should I explore for my rental property?”
Plain-English educational answers — not personalized advice.
Frequently asked questions
Ready to explore your options?
Build your scenario and see whether Investment Property Refinance or another mortgage solution may be worth exploring.
Program recommendations are informational until reviewed by an appropriately licensed mortgage professional. All loans are subject to credit and property approval; terms, eligibility, and availability vary.