Investor Refinance Loans Built for Real Estate Investors
Qualify with rental income. No tax returns. No income ratio.
LTV
75% - 80%
RATE
5.5%
CLOSING
10 - 21 Days
TERMS
30 Yr or Interest Only
$100K - $20M
LOAN AMOUNTS
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What Is A Investor Refinance Loan?
An Investor Refinance Loan allows real estate investors to replace an existing loan with improved terms, access equity, or transition into long-term rental financing.
Whether you’re exiting a bridge loan, stabilizing a rental, or pulling cash out for your next investment, refinancing helps you optimize your portfolio.
If the property is performing, refinancing can unlock new opportunities. This makes Investor Refinance ideal for:
- Investors exiting Fix & Flip or Bridge loans
- Stabilized rental properties
- Portfolio optimization
- Cash-out for new acquisitions
- Rate and term improvements
Built for Portfolio Growth
Rate & Term Refinance
Improve loan structure and long-term cash flow.
Cash-Out Options
Leverage built equity to scale into your next deal.
DSCR-Based Qualification
Approval based on rental income performance.
Are We a Good Fit?
Our Investor Refinance loan are structured to be straightforward and investor-friendly.
Minimum Credit Score
680
Reserves
6 months required
Property Types
SFR, Condo, Townhome, 1–4 Units
Seasoning
6-month seasoning required on refinancesPrepayment Penalty
OptionalDown Payment
0% minimum
Experience
First-time investorsOccupancy
Non-Owner-Occupied
Loan Amount
$100K minimum
Up to $4M maximum
Appraisal
RequiredHow It
Works
Submit Property & Scenario
Provide basic details on the subject property and projected rental income.
Receive Terms
We structure your loan based on DSCR performance and credit profile.
Close & Fund
Appraisal completed. Loan documents signed. Capital deployed.
Why Investors Choose
Asteris Lending
This is financing built for operators, not hobbyists.
- First-time investor friendly
- Qualify using rental income
- No personal income verification
- Competitive 5.5% starting rates*
- Up to 80% LTV
- Loan amounts up to $5M
- Interest-only options available
- Blanket loans available
- Reliable 10–21 day closing timeline
Product Type
Investor Refinance
Experience Required:
First Time Investor OK
Minimum Credit Score:
680
Liquidity:
0% Down
Reserves:
6 Months
Prepayment Penalty:
Optional
Closing Timeline:
10 - 21 Days
Draw Schedule:
N/A
Rate:
5.5%
Loan-to-Value LTV:
75% Cash Out, 80% Rate & Term
Loan-to-Cost (LTC):
N/A
Loan Term:
30 Yr or Interest Only
Asset Types:
SFR, Condo, Townhome, 1–4 Units
Loan Amount Min:
$100k
Loan Amount Max:
$20M
Product Specifics:
Non-Owner-Occupied, No Seasoning Requirement, Blanket Loan Option
Number of Units:
1 to 4 Units
States We
Lend In
Looking for lending in a state not listed? We do lend in other states on a case-by-case scenario.
Give us a call to see what we can do for you.
Give us a call to see what we can do for you.
Frequently Asked Questions
Can I qualify as a first-time investor?
Yes. Prior rental experience is not required.
Do I need to provide tax returns?
No. Qualification is based on the property’s rental income.
Can I refinance an existing rental?
Yes. A 6-month seasoning requirement applies.
Are short-term rentals eligible?
Eligibility depends on documentation and property profile.
Is there a prepayment penalty?
Optional structures are available.
Grow Your Rental Portfolio
with Asteris Lending
Access up to 80% LTV with competitive rates and investor-driven underwriting.
Submit your DSCR scenario today and receive terms tailored to your property.