Turn your rental’s equity into your next down payment.
Refinance a rental or investment property — or pull cash out of one you already own — without tax returns. A rental property refinance from Abo Capital qualifies on the property’s rent, not your personal income, so you can tap your equity and redeploy it into the next deal.
Rental property refinance terms at a glance
80%
maximum cash-out LTV
$3M+
maximum loan amount
Unlimited
cash in hand at lower LTV
No-ratio
qualify without income docs
Low-600s
minimum credit score
STR OK
short-term rentals eligible
All figures shown are maximums, with exceptions considered on a case-by-case basis. Final terms are quoted per deal and depend on the property, its cash flow, and your profile.
How a rental property refinance works
The loan is underwritten on the property’s rental income rather than your tax returns — the same way a DSCR loan works. You can do a rate-and-term refinance to improve your existing loan, or a cash-out refinance to convert built-up equity into liquid cash. Because these are business-purpose loans, the cash you pull out can go straight toward your next investment.
Big cash-out
At lower leverage there’s often little to no cap on the cash you can take in hand — ideal for funding the next purchase.
Tap your equity without touching your income
Want to pull equity out of a rental but keep your existing low-rate first mortgage in place? A home equity option is available on investment property too — a second lien that sits behind your current loan, up to a combined loan-to-value around 75%. Whether it’s a full cash-out refinance or a second-lien home equity loan on a rental property, the qualification is the same: the property’s income, not yours.
Works for short-term rentals, foreign nationals, and portfolios
Short-term rentals (Airbnb / VRBO) are a first-class property type, and projected or actual short-term-rental income can be used to qualify. Programs are also available for foreign national and ITIN borrowers, for 1–4 unit homes, condos, and townhomes, and for investors refinancing several properties at once.
Ready to pull cash out of your rental?
Qualify on the rent, not your tax returns — get a fast read on your equity.
Rental property refinance FAQs
Can I do a cash-out refinance on a rental property?
Yes. Cash-out refinances on rental and investment property are a core offering. You convert built-up equity into cash, qualifying on the property’s rental income rather than your personal income, and the proceeds can be reinvested.
Can I refinance a rental property without tax returns?
Yes. These are business-purpose loans underwritten on the property’s cash flow, so no tax returns, W-2s, or pay stubs are required. A no-ratio option is also available that doesn’t use rental income to qualify at all.
How much equity can I take out?
Cash-out is available up to roughly 80% of the property’s value. At lower leverage, there is often little to no cap on the actual cash in hand, so the amount you can take out scales with your equity.
Can I get a home equity loan on an investment property?
Yes. A second-lien home equity option is available on rentals, letting you tap equity while keeping your existing first mortgage in place, typically up to a combined loan-to-value around 75%.
Do short-term rentals like Airbnb qualify?
Yes. Short-term rentals are an eligible, first-class property type, and projected or actual short-term-rental income can be used to qualify for a refinance.