Equity Harvest Desk · Up to 75% LTV · Arizona Private Money Lenders — Compare 2,404 Wholesale Bridge, Infill Lot & Construction Shelves · Loan Daddy LLC (NMLS #2827624)
DSCR Cash-Out Refinance Loans Up to 75% LTV (2026 Guidelines)
Direct Underwriting Answer: Wholesale DSCR cash-out refinance programs allow real estate investors to extract up to 75% LTV on 1–4 unit rentals (70% LTV on 5–9 unit multifamily) after 90–180 days of title seasoning, with proceeds wired directly to your LLC operating account and zero personal income documentation.
Max Cash-Out LTV
75% LTV
Up to $2.0M loan amount on 1–4u SFR/Condo/2–4u.
Title Seasoning
90–180 Days
Delayed financing at 0–90 days up to 100% cost basis.
Min DSCR / FICO
1.00x / 660+
75% LTV unlocks at 700+ FICO and ≥ 1.10x DSCR.
Reserve Requirement
3–6 Mo PITIA
Cash-out proceeds satisfy post-close liquidity on select conduits.