$75k Cash-Out ReFi Needed - are there any W2 alternatives? Great credit and income!

[Cynthia Stith]

I have a SFH investment property that currently has no mortgage. It just appraised for $300k. I tried to do a traditional cash-out refi from my previous lender and because I am self-employed, my W2s showed some business losses which skewed the debt-to-income past their acceptable level. I have great credit, verified income through bank statements, and cash reserves.

Any suggestions on whether or not Hard Money, DSCR, or anything else might be a better fit? Thanks!

[Elias Halvorson]

You can do a DSCR cashout refinance no issues. Typically these are maybe 1% higher rates than conventional investment cashout refis.