Unlock the equity your portfolio is sitting on.
The cheapest capital for your next acquisition is often trapped inside the last one. DSCR and portfolio refinancing convert stabilized cash flow into deployable equity, without tax events, without selling, and without a personal income underwrite.
DSCR lending in one paragraph
Debt service coverage ratio loans qualify the property, not your tax returns: does the asset’s income cover the proposed payment with margin? Coverage around 1.2x is the common bar, and stabilized assets clear it. That makes DSCR the workhorse for investors whose personal returns understate their real capacity.
Portfolio and blanket structures
Multiple properties can refinance as one facility: a blanket loan with release provisions per asset. Done well it simplifies covenants and frees equity across the whole book at once; done badly it chains good assets to weak ones. Release pricing and substitution rights are where these deals are won.
The packaging that gets these approved
Rent rolls, trailing twelve months, insurance, and a coverage model per asset and for the pool. The same data room discipline as an equity raise, and we build both, because refinance proceeds usually become the equity in the next SPV.
Scope of work
Straight answers.
The questions dealmakers ask about this before they book.
Roughly 1.2x coverage is the common institutional floor, with pricing improving as coverage rises. Exact bars vary by asset class and lender.
That is the classic play: cash-out proceeds become the equity in the next SPV. We structure both sides so the sequence is documented cleanly for lenders and investors.
From roughly three to five stabilized assets the blanket math starts to beat one-off refis, mostly through closing-cost efficiency and unified covenants, but release provisions decide the real answer.
Here is how we structure it.
Entity, offering documents, CFA-built model, data room, then debt and equity introductions. Flat fee, no percentage of your raise. Map your deal on a strategy call.