dscrrefi.com

What It Is

DSCR Refinance Solutions is an investment-property DSCR refinance and cash-out loan service presented under David Lurvey. Its core underwriting logic is based on the property’s ability to cover the monthly payment with rental income—i.e., the DSCR—rather than the borrower’s W-2s, tax returns, pay stubs, or personal DTI. The loans are described as business-purpose loans for investment properties, not owner-occupied homes.

Core Capabilities and Risk Controls

The page lists the basic requirements as a minimum FICO score of 620, a maximum LTV of 80%, financing for up to 20 properties, and 6 months of PITIA reserves. There is no absolute minimum DSCR; properties below 1.0 may still qualify, but the LTV will be reduced. For long-term rentals, borrowers may use either a lease or appraised market rent. For short-term rentals, AirDNA Rentalizer or 12 months of platform income records may be used, but the maximum LTV is 75%, and the property must meet requirements related to occupancy, comparable properties, and local restrictions. Foreign nationals may apply, but the maximum LTV is 70% and the minimum DSCR is 1.1.

Pricing and Fees

The website provides a fairly detailed matrix based on DSCR, FICO, loan amount, and LTV, indicating that higher DSCR and stronger credit scores can lead to better terms. However, the main text does not disclose actual interest rates, APR, discount points, application fees, appraisal fees, underwriting fees, or prepayment terms, so the full financing cost cannot be assessed. Borrowers should request a Loan Estimate later in the process and verify all fees carefully.

Pros and Cons

Its main advantage is that the qualification logic aligns well with real estate investors, especially those who are self-employed, have fluctuating income, hold properties through an LLC, or want to expand their portfolio. It also supports Airbnb/VRBO income, making the product relatively broad in use cases. The drawbacks are that it is limited to investment properties, with stricter conditions for first-time investors and foreign nationals. In addition, the page does not disclose NMLS information, state licenses, regulatory entity details, or customer support information, so transparency still needs improvement.

Who It’s For and Access from China

This service is better suited to investors who own U.S. investment properties and want to cash out or refinance, as well as borrowers who have difficulty providing traditional income documents. The main text does not state whether the service is accessible from China, so this is assessed as unknown; payment considerations are not applicable. If it is not usable, alternatives may include U.S. local banks, non-QM lenders, mortgage brokers, or hard money loans.